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RJM

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Established Contributor

RJM

I recieved a letter in the mail today from RJM and they said they were contacted by EX about a dispute, the letter goes on to say that EX told them what date to use as the opening date!? Is that normal?
 it is listed on my TU with an opening (date placed) of 12/06 and Fall off of 4/2009 how did that come about I thought it was 7 years or am I missing something?
RJM also says they purchased the account BUT it has placed on the CR is there a diffrence?
I am thinking of DV'ing them directly would it do any good?
Thanks

Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Message 1 of 13
12 REPLIES 12
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Moderator Emeritus

Re: RJM

Their open date would be different than the OC's open date. This has no impact at all on you. Removal date and open date have no relationship at all. The only two dates to be concerned about is DOFD and the est. removal date (to make sure the account wasn't re-aged by a CA or re-aged if bought by another CA).
 
Definitely DV, if you have the $$$ to pay later. They are great with PFDs, or so I have read in here.
Message 2 of 13
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Valued Contributor

Re: RJM

I can back that...they are great with CAs...I did a PFD with them back in April...
Message 3 of 13
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Established Contributor

Re: RJM

How can I tell by looking at my CR if it was reaged?
Just trying to get a grasp of all this Credit repair  stuff

Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Message 4 of 13
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Moderator Emeritus

Re: RJM



hoping2rebuild wrote:
How can I tell by looking at my CR if it was reaged?
Just trying to get a grasp of all this Credit repair  stuff


When did the account go delinquent? Is the DOFD on your CR showing that same date?
 
If no DOFD is shown, is the removal date 7-7.5 years after the date the account went delinquent.
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Message 5 of 13
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Established Contributor

Re: RJM

The Origional account has already fallen off it was a checking account that
was overdrawn it was in 6/2002, all I can see it that the "fall off" date is 4/2009 sorry I can't give more info
 

Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Message 6 of 13
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Moderator Emeritus

Re: RJM



hoping2rebuild wrote:
The Origional account has already fallen off it was a checking account that
was overdrawn it was in 6/2002, all I can see it that the "fall off" date is 4/2009 sorry I can't give more info
 


 
 
If it was overdrawn in 6/2002 and the fall off date for the CA is 4/2009 then it isn't re-aged.
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Message 7 of 13
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Established Contributor

Re: RJM

I did alittle more checking and this account is past
 
my SOL, what are my options on getting this off my
 
CR, IF I had enough funds to pay it off I would.
 
They are also reporting as a "factoring" account
 
what does that mean?

Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Message 8 of 13
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Moderator Emeritus

Re: RJM

Send the CA a DV and the past SOL letter  CMRRR
 
 
Message 9 of 13
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Established Contributor

Re: RJM

What is the past SOL letter? I haven't seen that one yet
 
Thanks

Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Message 10 of 13
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