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Need Help!!!!

Date: Mon, 08/10/2009 - 00:42

Submitted by anonymous
on Mon, 08/10/2009 - 00:42

Posts: 202330 Credits: [Donate]

Total Replies: 3


I have 2 collections reporting on TU from RJM Acq Llc. They both state who the original creditor is but there is no tradeline from the original creditors. I remember doing business with the OCs, but it has been several years ago. I am thinking at least 5 years or more. My problem is that on the collections listed there is no DOLA. I truly believe these are probably past the SOL.

How should I deal with this? Should I just dispute with CRA that these accts are past SOL and should be removed even though I am not 100% sure or should I dispute that no DOLA is reported and they need to add it?

Thanks a lot for any advice!!!!!!


Yes, exactly-- dispute to the bureaus (via certified mail, return receipt, keep signed and dated copies of your letters) and ask them to include a DOLA if there is not one. Keep in mind that just because a debt is beyond the SOL does not mean it must be deleted from your credit-- remember, some states have short SOLs but negative accounts will remain on your credit for 7 years no matter your state's SOL. In response to your disputes, the bureaus will contact the creditor/furnisher of information who will either provide the DOLA or not. If your report is still incorrect/incomplete after this 'verification' by the bureaus, you may have a claim under the Fair Credit Reporting Act. But be sure to save signed, dated copies of your letters and send them certified mail, it will be much easier for a lawyer to analyze your claim later, if one develops. Good luck.


lrhall41

Submitted by sarahporiss on Mon, 08/10/2009 - 17:14

( Posts: 49 | Credits: )