Palisades Collection (Help)
Date: Mon, 11/03/2008 - 19:18
Still being young, but not naive anymore I am 27 and trying to get this account off my credit report. It does not belong to me and I want to dispute it. I have been disputing this transaction for months and transunion does not want to remove this item from my account.
I was wondering if anyone knew of any techniques that I could use: such as, write a letter or the phone no. to call Palisades Collection, so I can write or talk to them about removing this collection item off my credit report.
Sincerely,
AP
I have found this page which will help you: - Palisades Collect
I have found this page which will help you: -
Palisades Collection, LLC collecting for wrong account
Contact details for Palisades collection: -
Here are some Sample Letters which may come handy: -
Sample Letters for your reference
What is the date of first default on the account? That would be
What is the date of first default on the account? That would be when you missed your first payment with the original creditor and never again brought the account current. You paid it off 6 years ago and it was already in collections so I can't believe that it should remain on there for very much longer. Federal reporting time is maximum of 7.5 years from the DOFD. Call the CRA's and ask what the DOFD as reported by the data furnisher.
Texas Resident
The date that I am showing on my default is 2005. Which is interesting because I paid it a while back. Any advice?
Is that 2005 date showing under "Date Major Default First Report
Is that 2005 date showing under "Date Major Default First Reported" on Palisades Tradeline? If so, that is not the true DOFD, that is only the date that Palisades reported the DOFD to the CRA's. DOFD is generally not shown on your credit report, you'll need to call and ask.