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Gardenmum

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  1. Hello again! I now have some more information from the "idiotic DB." 😀 (Oh, and for what it's worth: 1) I am not a troll [I don't even play one on TV.] 😀 2) I apologize for engendering "much ado about nothing." Answers in order: Hegemony, An incorrect balance on the account over 7 years ago is what led to the ongoing disputes. The OC never completely corrected the error. Instead, interest was charged, interest was removed, brought back, charged, removed. Still not correct. The DB isn't comfortable giving out the name of the lender and apologizes for that. ********* Centex, thanks for you input! No pirating going on (though the DB confesses to a penchant for parrots.)😀 ************** hdporter. The last payment on the account was made over 7 years ago. There is an outstanding balance. I rather doubt that it will be paid, given the acrimonious nature of the relationship between DB and OC, coupled with the additions of interest that DB believes to be unjustifiable. That's the "why" behind the question of "what happens to the credit report -- and for how long -- if --the DB stops disputing the balance. --the OC then decides to list the account as a charge off?" Hope this provides enough additional information to answer that last question. Regardless, I appreciate your willingness to thus far share your knowledge! Again, thanks! And,..an aside to all this: , During the few days the account was past due (in between dispute letters) many, maddening dunning calls (likely made using an automatic dialer and all documented) were made to a mobile phone after permission to call that number had been withdrawn. Permission was revoked in a letter, sent certified mail. Don't know if that has any bearing on anything.
  2. Sorry for the irritation! (I'm not deliberately TRYING to be obtuse! 😀 Needed to gather more info) To clarify (I hope): All three bureaus report the account status "as agreed" with no past due amount. Other descriptions include: CRA 1) Open account. Account closed at consumer s request consumer disputes this account information and CRA 2) Open account. FCRA dispt closed by consumer and CRA 3) Revolving account in dispute and closed by consumer. Again, the DB has disputed the balance on this account every month for over 7.5 years (which might explain the above descriptions.) Given the helpful information supplied by this board so far, it would seem that this account WOULD NOT automatically fall off the credit report after 7.5 years. Please correct me if I'm wrong. If so, the remaining question might be: What happens to the account if the DB stops disputing the balance? If that happens and then the OC decides to start listing it as a past due account or a charge off, would THAT information then stay on the DB's credit report for another 7.5 years? I hope this information is what you need! Thanks again!
  3. Wow, this IS a busy forum! Really glad to know that! I'll try to clarify: The debtor says the still unpaid balance on the closed account has been wrong for over 7.5 years, hence the monthly letters to dispute the balance. In response to the dispute letters, the OC has always stated that the balance is correct, all the while making mistake after mistake (removing interest charges, adding them back in incorrectly, etc.). The OC has reported to the CRA that the account balance is disputed (not sure of exact wording). The debtor has never communicated with the CRA about this matter. It seems as though (based upon what's been written above) if the disputed account isn't considered a "negative" account and if the debtor continues to write balance dispute letters -- the account it may fall off the credit report after 10 years. Two questions: 1) Is that assumption correct? ("falling off the report" after 10 years) 2) If the debtor stops writing dispute letters, what's your best guess as to what the OC would do next? List it as a charge off that will lurk on the credit report for another 7.5 years? Mail stink bombs? I know this is a weird situation, so thanks again for your explanations AND your patience! 😀
  4. The dispute letters were sent to the OCs, not the CRAs. The OCs always responded that the account balances were correct. Not a peep from the CRAs. Just a a recurrent listing of the disputed account. Thanks!
  5. New to this forum and thought I might try contribute something. 😀 Some of these links may be outdated, but I found this information rummaging through some files that were written by a group of attorneys, for use in debtor investigations. Hope they help someone. Resource Website Address Data Collection, Background Checks, and Investigation Accurint (LexisNexis)..............................http://www.accurint.com/ Acxiom........................................................http://www.acxiom.com/ Black Book Online..................................http://www.blackbookonline.info Experian.....................................................http://www.experian.com/ Intellicorp..................................................http://www.intellicorp.net/marketing/home.aspx LocatePLUS..............................................http://locateplus.com/ Merchants Credit Bureau...................https://www.creditcommander.com/mcb/default.asp... Merlin Information Services................http://www.calcollectors.net/vendormembers/vendordescription/merlin.html ... National Directory Information Services....http://www.ndis.us/default.htm Open Online.............................................http://www.openonline.com/ Tracers Information Specialists..............https://www.tracersinfoonline.com/en/ ... TransUnion TLOxp..................................https://www.tlo.com/about-tloxp ... Universal Communications Co...............http://www.uccweb.com/ U.S. Info Search......................................http://usinfosearch.com/ Zoom Info................................................http://www.zoominfo.com/ Bank Routing Numbers Federal Bank Routing Number Directory..https://www.routing-numbers.com/ ... Cars and Trucks Autotrak...................................................http://www.autotrakusa.com/ U.S. Department of Transportation Federal Motor Carrier Safety Administration Safety and Fitness Electronic Records (SAFER) System......................................https://safer.fmcsa.dot.gov/CSP_Order.asp ... Nada Guides...........................................http://www.nada.com/ Phone Numbers, Addresses, and E-mails Addresses.com ......................................http://www.addresses.com/ Fone Finder ............................................http://www.fonefinder.net/ Freality Reverse Lookup ...................http://www.freeality.com/finde.htm USPS.com Look Up a ZIP Code ....https://tools.usps.com/go/ZipLookupAction!input.action 😀
  6. Thank you Centex and DPB! Centex if the "10 year window" applies, that presents a bit of a conundrum. This person has written an balance dispute letter every month for over 7.5 years. If that person stops writing dispute letters and the account switches from disputed, to "charged off" or some other negative term, does that mean the 7.5 year "CRA clock" starts ticking again? (Even though the first TECHNICAL date of delinquency was over 7.5 years ago.) Thanks!
  7. Thanks so much, Leagleagle2012 and hegemony! Legaleagle, how do you suggest an inquiry be made as to why it hasn't dropped off? Contacting the OC would be like "poking the bear." I'm wondering if contacting the CRA might have the same effect? Not sure of the best course of action. Hegemony, I'm a bit acronym-challenged. Not sure what DOFD means. Is it "date of first delinquency?" If so, might this mean the FIRST date when a payment was not paid on time? (If so, I think that date is documented, although not reported to the CRA. There's a good record of the collection calls after a payment due date passed.) Thanks again!
  8. Thanks, Hegemony and Centex for your quick responses! What's been disputed is the balance on a CC account, that's never been reported as delinquent (probably because it was never over a few days past due before the balance was disputed). The OC, in letters to the debtor stating the balance is correct, has also stated that the last payment was over 7.5 years ago. Hope this makes sense. Thanks again for any further help!
  9. So glad to have arrived on this forum. Thanks in advance for your advice! Someone I know has been disputing the balance on a CC account for over 7.5 years. Since disputes can disqualify a person from obtaining certain types of loans, I'm assuming that disputes are considered a "negative" item on a credit report. If so, shouldn't that dispute have been removed from a credit report by now? The account in question was also closed over 7.5 years ago. Thanks!

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