UmmNyla

Hey Everybody... My husband has an old debt with Wamu (Washington Mutual....now Chase) from about four years ago. It's only $170 or so, so we can easily pay it, but I'm wondering if it's worth it? If we pay it, and Wamu refuses to delete it off of his report, shouldn't we just wait until the SOL runs out? We are trying to get a joint checking account, and have had trouble because of this debt. I'm wondering if we should pay it, request deletion, (probably) get denied and just appeal to one of those banks/credit unions who are a bit more lenient...or just go with an online bank that doesn't use Chexsystems and let the SOL run out. Any suggestions? Thanks so much!

Oops I was wrong. It was Washington Mutual. I may make another topic about this and see if anyone has had any success.

Is BofA usually so difficult in terms of asking for deletion? My husband owes only $173 for an old checking account he had with them. Because it was reported to Chexsystems we can't get a bank account together. We have the money to pay it, but I feel it's pointless for us to do so if they won't delete the debt. Not sure when the SOL runs out, I think it's within the next two years. Anyone ever had success in a deletion with them?

I'm not sure...but I'm looking for the same thing. I'd prefer a credit union, but I'd take whatever I can get. I went to www.chexsystemsvictims.com and filled out the information to receive a list of them in my area. Maybe you can try that!

Ahhhh...so they buy them to get people who AREN'T on creditboards to pay them! LOL Thanks a lot! Writing the FOAD letter now! Because they can. They can ask you to pay them, but if it's out of the SOL there are no consequences for nonpayment. They probably paid about 1-2 cents on the dollar for the debt as part of a package of out-of-SOL debts. Someone (not you, obviously!) is going to pay them and they will get a fairly good ROI. As an example, Midland dunned me for a >10 year old $12,000 CC bill about a year ago. I sent them an FOAD and that was the end of it.

I'm in Cali. The DOFD is not given on the statement they sent me, but I am 99.9% sure it is from back in 2000-2001, simply because the original creditor is located somewhere I lived during that time period. I did have an account with this creditor at one time, but never renewed my contract with them, and therefore don't owe them anything more. My guesstimate is that FNCB (the collection agency, not the bank) is trying to collect a debt I've already paid in the past. I was leaning toward sending them a FOAD, but wasn't sure if that would just open a can of worms not worth opening. So...can someone explain to me why they would be trying to collect on such an old debt that is no longer on my credit report? What do you mean by "re-aging" an account for reporting purposes?

Hi All! It's been a while since I've been here, so hopefully you're all doing well. I just received a letter this past week from FNCB (which in itself already smells of a big scam) congratulating me on the opportunity they are offering me to settle my TEN YEAR OLD debt (that I'm pretty sure I don't owe) by making six payments to them. (insert eye roll here) My question is this: Do I send a "Not Mine" letter, or should I just ignore them considering the debt is so old? I've never had a CA try to collect a debt that was so old, they usually scurry to try to collect as soon as they know the SOL is growing close. Any help would be great! Thanks!

I have the original lease I signed which is simply a one page lease or "addendum to lease" that says nothing about utilities. It simply adds me to the lease, and the date I am added on. I do have a copy of the agreement made between myself and the other tenant saying I am responsible for $1000 a month out of the $1400 that rent was, and agreeing that he would pay the balance due every month. And he did. EXCEPT the utilities. Literally I would get his mail in the box, and bag it up every two weeks and mail it to him. I never even thought to open anything because it was HIS mail. Being new to the area, and the name of that utility company being an acronym, I had absolutely no idea what it was. Besides, shouldn't they have contacted me about this overdue bill when I was living there? Instead of slapping me with two years worth of overdue bills after I had already moved out? The management company also never presented me with a bill upon moving out (showing my deposit, cost of new carpet or paint, etc) So the copy of this final deposit bill does NOT have my signature on that either. I know I am in the right. It's just a matter of legally showing it so they will leave me (and my credit) ALONE.

The addendum is dated...but it is dated the day the original tenant signed his lease...never signed by me nor dated when i was added to the lease. I was paying rent directly to the management company. I never once paid on this bill, because I genuinely never knew I was responsible for it. Thanks for the help, I should have thought to look up the statue of limitations. But I think they must know the statute expired, because they even admit they only have ten more days to supply me with the documents before they have to close the file. And that was two months ago. Thanks again for your help, whatever you come up with is appreciated!

Hi All! It's been a looong time since I've posted here at all, so I hope all is well with everybody. Let me cut to the chase: Back in April I was sent a letter from a law office/CA in San Diego who deals mainly with collecting debts for property management companies. It stated that I owed $1200 to my previous landlord due to unpaid utility bills. I sent them a letter stating that I disputed their claims in their entirety and to provide me with legal documentation that I signed a contractual agreement stating I am responsible for these charges. I also asked they provide me with the original contact letter because I had NEVER heard anything about this, and I moved out of this apartment over two years ago. They replied by sending me the lease agreement, which I had been added to about three months after the original tenant signed the lease. The original tenant lease mentioned nothing about utilities, nor did they provide me with any sort of utility bill in my name, so I sent them another letter on May 25th stating that my agreement with the tenant there was to pay only the rent and utilities that came in my name, and that I had not signed anything saying otherwise with the management company. This bill they are claiming I owe is for the water bill, which I was honestly unaware was not being paid by the apartment complex. All mail that came for the tenant under which I was subleasing, I immediately sent to him. I demanded proof that this bill was in fact my responsibility, and still denied responsibility for the charges. I didn't hear anything from them until two days ago when I received a letter dated August 19th. They sent me the lease (again) with an addendum attached for responsibility of utilities by the tenant. BUT my signature is NOT on that document, and I have never seen it before. Also, they sent me a copy of the final utility bill which is ONLY in the other tenant's name. After reading all of the documents they sent me, I realized they accidentally forwarded me a copy of the letter that the CA had sent to the management property letting them know that they only had ten more days to reply to my dispute or they would have to close this file and would not be able to collect on it anymore. This letter was dated way back on June 11th, 2010. The reply fom the management company to the CA is dated August 11th, 2010. Now, my question is this: They by far exceeded the 30 day window that I am under the impression they have to provide me with evidence of my debt. Is there any reason this 30 day window doesn't apply in this case? I am thinking to send them a letter stating they still haven't provided proof I owe the utility bill, and that they didn't reply within the 30 days they had so they need to close my case. Any suggestions? Comments? Corrections? Anything would be appreciated. Thanks so much!

Whoooaaa.... I came on here hoping to have gotten a little bit of advice on what my next step should be, and feel like I stepped into the middle of a battle. Thank you for all of the advice, I appreciate all of your efforts, and I'm sorry to have caused such an uproar. Honestly I have to re-read everyone's comments again before further commenting (or asking any more questions) but just wanted to say thanks.

Hi All, Ok I have read and read and read, but for some reason at this point I'm not really sure what my next step should be. If someone could just point me in the right direction I would appreciate it so much. I got my CRs about a month ago and disputed a total of 10 baddies (not all of them showing up on every report, but 10 in total). Five of them were deleted right away from TransUnion, although I haven't heard anything from Experian or Equifax yet. Another I received a letter from the CA stating the account had been closed, and when I sent a letter stating this to TransUnion they said that account isn't even listed on my report (weird, because I know it is or why would I have disputed it?) I haven't heard back (validating the debt to be mine or otherwise) from any of the CA agencies, and it's been over a month now. I know they received the letters, I have all my green cards filed. Should I send them each a letter giving them a little nudge, or just outright let them know their time has expired, and they obviously have no proof the debts are mine, and they need to stop reporting on them? If someone else has already asked this, I'm sorry. But I don't want to stop now when I've already had such a successful start. Thanks so much for the help!

Great! Thanks!!

Thanks for the reply...I did read the Newbies section, although it was quite a while ago, so I will definitely give it a review. I didn't think that I should give them any more information, which is why I posted this, to make sure I was right. Personally I thought, if that is all the information they gave on my CR (the partial account number) then why should I provide them with anything else? One account is pretty recent, from 2008 but the other is from back in 2004. I was thinking to write them a letter simply stating that I have given them the account number that they provided to the CRA's, and that is all the info they should need, but I wasn't sure if that would be the best course of action. Thanks again.

Hi everybody! Ok, so about a week ago I sent out my initial disputes to a few CA's that were on my CR. I sent a simple dispute letter, and provided the account numbers as they appeared on my CR (which were partial account numbers). I did contact the CRA's and asked them why the account numbers were partial when I had paid for my CR and they said this is what they do now for privacy reasons. Anyways, so in my initial dispute letters, I provided my name, address, and the partial account numbers as listed on the CR. Today I got one letter (from an agency I actually sent two disputes to because there were two separate sketchy accounts with them) saying that they need me to either call them, or send them a letter and provide them with a complete account number or any other names I have used, my social security number, and/or previous addresses. Any suggestions? Wouldn't my SS# be sufficient? I mean, I thought that NOT providing them with previous addresses was a good thing (isn't that why our first dispute with the CRA's is to remove any irrelevent aliases and previous addresses?) I'm not going to call them, but any suggestions on what my reply letter should and should not say?? Thanks so much for your help in advance!!