Adding to Credit Report after SOL
Date: Mon, 03/24/2008 - 20:49
Can a CA add something to a credit report after the SOL has expired and the OC never placed the item on the Credit Report?
Have an old HFC Line of Credit (DOLA between 11/00-2/01) they never placed the item on the credit report. Now a collection agency is reporting the debt. I have not received anything in regards to this debt even though the address on the credit report is accurate.
Have an old HFC Line of Credit (DOLA between 11/00-2/01) they never placed the item on the credit report. Now a collection agency is reporting the debt. I have not received anything in regards to this debt even though the address on the credit report is accurate.
Quote:Can a CA add something to a credit report after the SOL ha
Quote:
Can a CA add something to a credit report after the SOL has expired and the OC never placed the item on the Credit Report? |
I don't think so..and if they are doing so they are actually violating the FCRA law. Send them the DV letter and ask them to validate the loan. Most likely they'll fail to do so.
Simply write to the CRA (CMRRR). Say this: "This item is obsol
Simply write to the CRA (CMRRR). Say this:
"This item is obsolete and should be deleted immedietely".
Thank you,
Cellular