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Found 2 results

  1. Can you use a UCC Filing and a promissory note to create a verifiable tradeline under public records since they are filed with the county? I know the Bureaus pick up on these fast! Anyone have sucess with this? Any info is much appreciated. thank you in advance.
  2. I have a CA showing on my reports Fairway Capital Recovery Placed for collection 3/14/12 Responsibility Invidiual Account Type Open Loan Type Collection Agency/Attorney Balance $479 Date Updated 4/2/13 Original Amount $479 Original Creditor Duke Energy Southeast Past Due $479 Remarks Placed for collection Estimated removal 12/2018 I did have a Duke Energy account at a residence I moved from in April 2009. On a utility account, is the DOFD the date the bill went past due? If that's the case, then the DOFD should be 4/09 or 5/09 at the latest. I read all of the below listed threads and took from them that Duke Energy qualifies as an UCC making the SOL 4 years, no matter what state I am in (which is SC, and I have not crossed state lines) http://creditboards.com/forums/index.php?showtopic=30358&hl=%2Bduke+%2Benergy&do=findComment&comment=216465 http://creditboards.com/forums/index.php?showtopic=18692&highlight=utility+across http://creditboards.com/forums/index.php?showtopic=7692&highlight=utilit*+account+type http://creditboards.com/forums/index.php?showtopic=17872&page=2 By the "Estimated removal date" of 12/2018, it would appear that the DOFD would be 6/2011 to 12/2011 meaning 1) this is not the Duke Energy account from my old residence or 2) the DOFD has been re-aged Before I tackle this I want to make sure I am beyond the SOL for this account. If the last bill I paid was in either March or April 2009, is it true that the SOL for this particular account would be up in March, April or May 2013? Or am I misunderstanding when a UCC SOL begins? 2nd question, which bills fall under the UCC -- evidently a power bill does, I'm assuming a water bill, natural gas bill and possibly home telephone. What about cable and/or satellite TV, internet and cell service? Do they also fall under UCC SOL or would they fall under the SOL like a revolving account? I do not know if I have received initial contact from this CA or not, as I am just beginning this process and I have always just thrown away what I perceived as junk mail If this is out of SOL for sure, should I begin by sending a letter to the CA claiming this can't possibly be mine with the dates that are being reported, please validate all information? or should I not even mention the dates or the fact that it might not be mine and just ask for the validation? Appreciate any thoughts on this issue. You all are awesome! Kat
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