QUestion on collector reporting in the credit report
Date: Fri, 09/15/2006 - 18:08
My questions are: Since the SOL on the original debt has passed 6/2000, can I dispute the marks on my credit with the various reporting agencies, and have them removed, and can they legally collect? Also I have noticed that the dates and names of the company have changed on the different agency list, however the amount owed and account number is the same. After reading through some of the issues/solutions here I also noticed that the account type is always Open. From what I read is this against the fdcpa?
Any advice would be appreciated.
Go ahead and dispute the collector's items with the CRA. Collect
Go ahead and dispute the collector's items with the CRA. Collectors must not place three items for not paying the debt. This sounds confusing to me too. Their should be only the name of the credit company and the collection agency that has your file. If they have done the reporting without having your file information, it must be disputed and removed. What is the name of the CA doing this?
Thanks Arden. The is the one and only Asset Acceptance. Let me
Thanks Arden. The is the one and only Asset Acceptance. Let me clarify some info to explain better. On each of the 3 reporting agencies there is one entry for the debt.
Eperian: asset acceptance llc 3/1/02
TransUnsion: Asset Accept 3/20/02
Equifax: AssetAcceptance Cor 1/1/0001
That last date is not a typo ;). Everyting else is the same. (amount owed, account #, etc) I'm not sure if the naming scheme is just the difference and they are all the same company. (I know they changed names a couple of times)
The original debt was with Providian, and according to the report the date was 6/1/00. In Arizona the SOL is either 3yrs or 6yrs, so either way it expired 3 months ago. I don't mind the Providian one so much, but there is no way that I will pay the 6 times the original amount owed.
I just wondering if I can get them removed as they are seriously hurting me in buying a new car. Everytime that I have gone to the bank/dealership for a loan, they always point to that, look at me and say no.
you can not have more than 1 entry (2 including the original cre
you can not have more than 1 entry (2 including the original creditor) on your CR...Once it gets passed to another collector, the old one needs to remove it.
But since it's out of SOL you should be able to get it removed. Dispute it with the bureaus.
Remember, anyone's file must not display wrong information that
Remember, anyone's file must not display wrong information that hurts the credit potential. Dispute the item and get it removed if the company does not have a legitimate purpose. Send your dispute letter through certified mail and return receipt requested.
If it's hindering you that much from buying something and it's y
If it's hindering you that much from buying something and it's your's and you know it then pay it.
They can report to all three agencies with one entry they can update that entry anytime durring the 7-10 year period.
If an old CA still has an entry on your CR, after it's gone to a
If an old CA still has an entry on your CR, after it's gone to a new CA, what reason do you put for your dispute?