old collection account
Date: Sat, 05/22/2010 - 01:30
My credit union closed my line of credit that I use for overdraft protection on my checking and sent me a letter stating after a regular credit review they found derogatory information. I got my free report from Experian to find out what it was (I had no clue what it could have been.) and it was a doctor's bill that had gone to collections in 2004 that I paid off in one month. I'm fairly sure it was on my credit report right after the account went deliquent in 2004, but it is showing up as first reported 5/2008. Why would it be reported almost 4 years later? It is a valid debt and it's paid/closed but I think the dates are really off. I filed a dispute for the inaccurate dates. My credit union says they may reinstate the account if I can prove this was not a "new" debt. I'm reasonably sure it wasn't on my credit report when I first applied for the line of credit in 2006. Could it have been there before and then disappear and show up again? How do I find out? Or do I just wait to see what happends with the dispute?
Who is having it reported to your credit report now? You may d
Who is having it reported to your credit report now?
You may dispute with the collection agency as well. Dispute with the copies of the documents that would prove that the account has been paid.
Yes wait for the dispute result. I wonder though if you have att
Yes wait for the dispute result. I wonder though if you have attached the receipt to prove your claim "it was a doctor's bill that had gone to collections in 2004 that I paid off in one month." And you might be interested in this thread-
(Link Removed by Shazzers as solicitations are against TOS rules)
Link removed. Please read TERMS OF SERVICE for a more detailed description regarding advertising. Shazzers