Jump to content
Member? but forgot everything, can't log in... Frozen out??? ×

THIS IS A POLITICS-FREE ZONE.

what you need before issuing a 623 OC letter?

mizliz1011

By mizliz1011
in Credit Forum

 Share

The last post in this topic was posted 4409 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Recommended Posts

mizliz1011

mizliz1011

Posted
Posted

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...


mizliz1011

mizliz1011

Posted
  • Author
Posted

 

It was back in 2004

 

 

Is that also the DOFD

 

no, the credit card was active and on time mostly until Jan, 09 and intermittent payments after that but never totally current..

The last post in this topic was posted 4409 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

×
 Share
Go to topic listing



  • Member Statistics

    • Total Members
      190435
    • Most Online
      9039
    mhudson323
    Newest Member
    mhudson323
    Joined

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.

Pages

×
×
  • Create New...

Important Information

Guidelines

  I accept