Yet another Asset Acceptance Problem
RE:
Hi,
Welcome to the debt consolidation care forum.
Quote:
have been shocked to discover that recently one of the old charged off accounts has "reappeared" on my Experian report |
It is natural for you to feel depressed and shocked to see a false marking in your credit report. Nowadays, false marking in a credit report has become quite frequent.
You should immediately report it to the Credit Bureaus and get the false marking amended. Have you seen the other credit reports of Transunion, Equifax? Check it out whether they show the same marking error or not.
When you approach the Credit Bureaus carry some documents if you have as a proof that you are not in debts. This will give you an extra edge to put forward your views.
In case of disputes in the Credit Reports view some related threads in the 'Credit Repair ' section of our forum.
http://www.debtconsolidationcare.com/forums/about209.html
http://www.debtconsolidationcare.com/forums/about208.html
http://www.debtconsolidationcare.com/forums/about207.html
Quote:
The "date of charge off" listed on the Experian report is LAST YEAR, even though the original account reached charged off status OVER EIGHT YEARS AGO. What gives? Is this legal? |
No, this is absolutely not legal. After a span of seven years your credit status is not reflected in your credit reports.
Quote:
Sorry for the long post. |
:) No problem at all with your long post. Feel free to do so in future also. We are here to help you all the time. Hope you frequently visit our forum and keep us updated with your experience and knowledge.
Regards,
Jason
Hi Jason, Thanks for the reply. I've checked the other cre
Hi Jason,
Thanks for the reply.
I've checked the other credit reports, and the accounts in question don't appear on them. I'll implement your other suggestions, too. Hopefully, we'll see some results.
Thanks again,
uziel
This year Asset Acceptance took me to court for 1,874 but I only
This year Asset Acceptance took me to court for 1,874 but I only owed about 1400 they said they would change the amount and agreed to monthly payments. What I did not know is that they are charging me interest and did not change the balance they are still charging me the 1,874 plus interest. What should I do? I'm new at this and don't know what to do.
Hi, Guest, firstly I would like to know that, whether you have g
Hi, Guest, firstly I would like to know that, whether you have got anything in black and white or not. Did they state the agreed amount somewhere?
When you go ahead for a settlement with creditors or collection agencies, you need to confirm the proposal in writing with their signatures on it. You can send them a Letter of Acceptance of debt settlement offer along with Debt Settlement Agreement Letter, if you??? re having it.