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Found 2 results

  1. Ok, I have made great progress on this thorny OC listing that has gone onto the 4th or 5th collector. The current collector has not approached me. The account is out of SOL for the CC's home state which prevails in NY. I have found several discrepancies between prior CRA reports and the information that I have accessed. Most importantly, I found my records showing 1.) a missing payment never reported 2.) three instances of deceptive collecting 3.) an incorrect date of first delinquency and.... Drumroll.... They don't have the credit contract on my account. It was back in 2004 when just a few months after I got a Fleet credit card, Bank of America took over their credit card operations. They report the correct date of my Fleet contract but ... after hanging on with quite a few customer service/internal collection managers, they state that it was passed on to the last collector/JDB... Since I already know that their records are not in perfect order, I doubt that the JDB will even bother,since it is two years out of SOL... Now, since their reporting states that date, and since they don't have the contract, do I just write them a 623 letter and throw in the other issues or do I just demand a copy of the contract? Do I have to ask Experian to 'validate" the information or should/can I just pound on Bank of America directly/ THIS WILL BE MY LAST OC (assuming that Dell takes a 100% pay for delete on a dead SOL>>>).. What do I need to do or have to have this be a fully documented 623 letter? thank you all. This has taken a day to round this all up so... I am anxious to send it off if ok... I have disputed this account with Experian for other reasons but I am not sure if I have to re-dispute on credit contract...
  2. I apologize in advance but I need clarity. I feel like I read the same statements over and over, searched threads over and over and I want to make sure I have this right because this always confuses me. I've accomplished a lot since joining this site, but this is one thing I can't understand. Maybe I'm simply making this harder than what it really is. I'm trying to figure out when my Capital One CO will fall off my credit report. Date Opened: 03/2007 Charge off as of Jan 2008 150 days past due as of Dec 2007 120 days past due as of Nov 2007 90 days past due as of Oct 2007 60 days past due as of Sep 2007 30 days past due as of Aug 2007 So, if the clock starts ticking 180 days after DofFD then it started Jan 2008, is this correct? Another thing that confuses me is do I add 7.5 years as stated in the FCRA or do I go by the Statute of Limitations for the state of GA (which is different)? Thank for your help guys...try not to chew me out too bad
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