last date
Date: Sat, 12/09/2006 - 06:49
Thank you!
Account Number: xxxxxxxx
Current Status: COLLECTION ACCOUNT
Account Owner: Individual Account.
High Credit: $894
Type of Account : Open Credit Limit: $0
Term Duration: Terms Frequency: Monthly (due every month)
Date Opened: n/a
Balance: $0
Date Reported: 11/2006
Amount Past Due: $0
Date of Last Payment: 07/2003 Actual Payment Amount: $0
Scheduled Payment Amount: $0
Date of Last Activity: 07/2001
Date Major Delinquency First Reported: Months Reviewed: n/a
Creditor Classification: Activity Description: Paid
Charge Off Amount: $0
Deferred Payment Start Date:
Balloon Payment Amount: $0
Balloon Payment Date:
Date Closed:
Type of Loan: Factoring Company Account (debt purchaser
I would dispute this with the CRA, you can find their informatio
I would dispute this with the CRA, you can find their information on my blog site and a template dispute letter there also
07/2003 which it the last date of payment. As time goes on, the
07/2003 which it the last date of payment. As time goes on, the effect of this charge off will lessen.
How do they gage the importance of debt does the time really mat
How do they gage the importance of debt does the time really matter?
It is legal for them to report account information every month.
It is legal for them to report account information every month. What really matters is the DOFD (Date of First Delinquency). Seven years after after the DOFD, it should come off the credit report.
It seems the above report does not list the DOFD:
Quote:
Date Major Delinquency First Reported: Months Reviewed: n/a |
You could dispute that report on the grounds it is not accurately reflecting the DOFD.
If you do a search for "FCRA DOFD" you should come up with some more information.
I always thought that the SOL clock starts with the DOLA (date o
I always thought that the SOL clock starts with the DOLA (date of last activity).
The credit bureaus I see are not posting that information on you
The credit bureaus I see are not posting that information on your credit report. They probably don't want us to know what the date of last activity or at least they are trying to be ambigous about it. Not right or fair if you ask me.
It's true. SOL renews on the latest payment date. Date of fi
It's true. SOL renews on the latest payment date.
Date of first delinquency is to be considered only to calculate the term of negative item to stay in the credit report, in case payment on the account stops.
After the SOL expires, you get the legal protection and no one can take you to the court. That is why a company tries to collect before the account gets past the SOL. Or, in case, if it's past the SOL, they will insist you to do a small payment so that the SOL gets renewed.
