I REALLY need your advice - please Respond!!
Date: Wed, 05/21/2008 - 13:25
I have a letter ready to be sent to the credit bureau disputing this strange "recent payment", but I hesitated because both accounts (CA & OC) are estimated to be removed from my report on 5/08.
Is it possible for the CA to make an illegal payment onto my account just to re-age it and keep on my credit for longer?
What should I do?
Thanks in advance for your advice!
reply
that would be re-aging.it usually is done on
debts past the SOL.sounds like they just did
a false entry.you can dispute it with the
credit reporting agencies.
Re-aging a debt is certainly possible, and, in your case, probab
Re-aging a debt is certainly possible, and, in your case, probable. Send the CA a demand for validation, immediately. This template makes into a real good one: http://www.debtconsolidationcare.com/collection-agencies/better-structure.html
I might also demand that they prove that the payment in question had actually been made. Check number, card transaction details, etc. My reasoning: If they were to say it was your check # whatever, you could then run down your actual check and prove that it was actually for your rent last year, or whatever.
thanks unclewulf! i have actually sent my second DV letter A
thanks unclewulf!
i have actually sent my second DV letter A FEW DAYS AGO, the first one the CA did not provide proper validation.
today i'm sending a dispute letter to the credit bureau so they can verify. it should be easy since i have not made any payment.
