POSSIBLE OLD RE-AGED ACCOUNT FROM MBNA//WHAT TO DO?
Date: Mon, 12/01/2008 - 05:27
I don't agree with what is reported on my credit card as the last payment recieved date. I think that the credit card was re-aged. Since this was back in 2001/2002 and my original creditor (MBNA) was acquired by another company..I am having a hard time getting a response for them about my old account...
I am looking to get info about the last five payment recieved (to see if it matches my records) and if there is a decrepancy between my records and theirs--will the fix it and back dated the last payment recieved to my records?
since the cc company will have the debt removed 12/2009 ---- would the bureau remove it as early as jan 2009??
I plan on sending yet another letter to the original creditor.....Since I have a dispute with the original creditor.. Is there a way to stall for more time with a CA/law firm that is threatening legal action?
I am looking to get info about the last five payment recieved (to see if it matches my records) and if there is a decrepancy between my records and theirs--will the fix it and back dated the last payment recieved to my records?
since the cc company will have the debt removed 12/2009 ---- would the bureau remove it as early as jan 2009??
I plan on sending yet another letter to the original creditor.....Since I have a dispute with the original creditor.. Is there a way to stall for more time with a CA/law firm that is threatening legal action?
Date of last payment is not the important date for federal repor
Date of last payment is not the important date for federal reporting period. The date of first default is the important date. A debt can only be reported on your credit reports for 7.5 years from the DOFD.
If MBNA is still reporting and they verify your dispute, then I would request an investigation with MBNA (BofA) under section 623 of the FCRA. They have 30 days to respond with the details of the account.
IS THERE A FORM LETTER ON THIS WEBSITE FOR THIS ?? THANKS!
IS THERE A FORM LETTER ON THIS WEBSITE FOR THIS ??
THANKS!
LEARNING A RIDICULOUS AMOUNT OF INFO HERE.....
Tailor it to your situation but something like this:
Tailor it to your situation but something like this:
