alcoello

I am trying to figure out what is going on. I am having a hard time figuring out what is going on. I had to stop payment on a card in 11/09 First Date of Delinquency. $397 past due amount Balance is now $3,053 I am receiving bills from Citibank and every month and the interest is 76.00 every month. But the odd thing is I received a letter from Northland Group Nov 12, 2010 and sent them a Validation. Never heard back from them Continued to receive Bills from Citibank with increasing fees - by this time it is now being listed as a charge off Now I recently got a bill from Associated Recovery Systems - and saw a peek on my credit report but then got another bill from Citibank with the ever increasing fees. So I have NO IDEA who owns this debt and will it ever stop going up from $397 to $3103 Looks like on my credit report that Northland Group pulled a hard Associated Recovery pulled a hard but is not listed Citibank has it listed as a Charge Off on all three with a Past Due and Balance listed I hope you can help?

Thank you for responding - it was opened in 7/06 DOLA 11/09 I think i have until 2013 until it is out of SOL

I just got a Dunning letter from Northland Group on behalf of Citi. I have been expecting it. Its for $2629. We are still in no shape to pay this even at the offer they are "willing to negotiate" until hubby finds work. Do I send them a DV? i am so afraid they will file a suit against me right now. This is the largest amount I have ever owed and it makes me very nervous. Do I go ahead with a short DV? they are bonded in Texas. and hope they don't validate in 30 days? Does anyone have experience with DV'ing and that moving the CA to a lawsuit? Any help or encouragement would be great right about now.

So what does Last Active mean? I am looking at my Kroll report. Its a trimerge and what my lender is getting. So on a Kroll Report - what does Last Active mean?

Please help. Is this legitimate - can they increase the amount each dispute and can they make the last active two years advanced? 7/5/2010 report Aargon - open 2/09 Last Active 8/09 ?? Reported 8/09 Past Due 469.00 ?? status: closed 8/09 12/12/10 report Aargon Open 2/09 Last Active 9/10 ?? reported 9/10 Past Due $495 ?? 7/5/210 Allied Open 9/08 Last Active 10/08 Reported 08/09 Past Due 146 collection 10/08 closed 10/08 10/12 Allied Open 09/08 Last Active 09/10 reported 9/10 past due 165 collection 10/08 closed 9/10

I got my credit report and a CA was reporting LAST ACTIVE DATE 11/07 . .i disputed the tradeline and now i pull it again and the same account says Last Active 9/10 . . did they re-age this account. Or if i dispute i risk the last active date increasing. This is Sentry Recovery Aargon was 08/09 and now last active is 09/10 Allied was 10/08 and now it is last active 09/10

I have another account now - last active 11/07. . where I sent validation to CA, then disputed with CRA . . now the a month later I pull my reports to find the last active date 9/10? is this correct. Because I disputed now they give me a later date?

Your right . . .no need to fight unless they somehow re-age it . . its almost November. hmmm . . .now lets see . . .which accounts would I like to have, my biggest issue is having NO credit now. I feel almost 18 again

sorry investigation not validation

I am trying to get my dates correct. I found TXU (utility) on my report. I DV'd them September 1, 2010. I get a letter from ER Solutions saying they now own the account dated September 21, 2010 I then get a "validation" (a crappy invoice that is clearly not real) response from TXU dated September 28, 2010 dropped from my TU and EQ, still remains on my Experian (says to remain on my report until Nov 2010, would this fight be worth it) But can they sell my debt when it is clearly in dispute??

if the OC has a Cease and Desist by the State, can the CA still continue collection activity?

Hi guys, I have a student loan on my report for $73.00, I disputed because it isn't correct. The first report shows last active 2/10 and the next report came back - not in dispute, but now Last active is 9/10 . . . should it read this way? I only disputed?

That would help. It is experian report trimerge and all three of them show unknown

I would like to know this answer too!

Payday loan and paid the principle back and the interest kept racking up, finally shut down the account. On credit report Rapid Cash $649.00 sold to Ad Astra Recovery. I looked on the Nevada site and found a Cease and Desist order for Rapid Cash . . .can I use this to dispute?