Medical CA Changed Date of Last Activity - PLZ HELP!

[vette_man]

Hello. I have an entry on my credit report from 7/04 (Date of First Delinquency). Because I'm in Florida and the Statute of Limitation is 4 years on most collections, the Medical CA took it upon themselves to change the Last Activity date to 7/4/08. Exactly 4 years from the DOFD. Now, I'm pretty sure the debt is mine, and I had requested verification from the CRA in January of 08 when I was trying to clean up my credit, at that time the DOLA showed as 2/11/07.

 

I have gone back to some other credit reports from March 08, and it appears the CA was incorrectly reporting the DOLA then too..

 

What can I do? When it updated this last time, it cost me 29 points in my score...

 

I have already completed the complaint with the FTC.

 

Any help would be greatly appreciated.

 

Thanks.

Vette_Man

[Why Chat]

Hello. I have an entry on my credit report from 7/04 (Date of First Delinquency). Because I'm in Florida and the Statute of Limitation is 4 years on most collections, the Medical CA took it upon themselves to change the Last Activity date to 7/4/08. Exactly 4 years from the DOFD. Now, I'm pretty sure the debt is mine, and I had requested verification from the CRA in January of 08 when I was trying to clean up my credit, at that time the DOLA showed as 2/11/07.

 

I have gone back to some other credit reports from March 08, and it appears the CA was incorrectly reporting the DOLA then too..

 

What can I do? When it updated this last time, it cost me 29 points in my score...

 

I have already completed the complaint with the FTC.

 

Any help would be greatly appreciated.

 

Thanks.

Vette_Man

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