Can a CA collect on an account from 1999?
Date: Sat, 02/23/2008 - 11:47
Can I dispute them or are they allowed to put them on my credit report even though the SOL has expired?
Are medical bills different from credit card bills?
The same 7 year reporting period applies. It appears that they h
The same 7 year reporting period applies. It appears that they have illegally reinserted the items well after the reporting period should have expired. I would suggest disputing the items with the credit reporting agencies and seeking legal council to explore the possibility of a civil suit. You should also file complaints with your state attorney generals office as well as the Federal Trade Commission.
So you think that they should not have reported debts over 7 yea
So you think that they should not have reported debts over 7 years old, even though the SOL in Florida is 4 years, right?
The seven year reporting period granted by the FCRA is different
The seven year reporting period granted by the FCRA is different from the SOL. Forgoing certain exclusions items can be reported to a persons credit report for 7 years only. In the case of collection agencies they are linked to the original creditor. Once the original creditor's entry is deleted the collection agency has to follow as they follow the same reporting period.
A debt is a debt until it's paid. However, they are only allowed
A debt is a debt until it's paid. However, they are only allowed to report it for the time that your state allows.
I know where you are coming from, as I have a few of those on my
I know where you are coming from, as I have a few of those on my CR also. I think that they are out of the SOL, but one of the CA's said that they can still report it until it is PIF. Not really sure about that, but they are still reporting as we speak.
Maybe they will, and maybe you will be able to sue them...
Maybe they will, and maybe you will be able to sue them...
They can't report after the 7 year reporting period has passed.
They can't report after the 7 year reporting period has passed. Reinserting it is a FCRA violation, that was per FTC consumer response center.
Most CAs will tell you all kinds of fairy tales...I particularly
Most CAs will tell you all kinds of fairy tales...I particularly like the one about the CA under the bridge and the Three Deadbeats whom the CA likes to eat..of course the Third and littlest Deadbeat (he only owed $5.00) outsmarted the nasty old CA.
I'm with you, Goldenbast! If they want to call me a deadbeat, th
I'm with you, Goldenbast! If they want to call me a deadbeat, they can eat me! 
Sorry if I offended, but lady, you ain't seen rude yet.
Sorry if I offended, but lady, you ain't seen rude yet.