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The last post in this topic was posted 2206 days ago.
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This may provide some ammo to fight charge-off status still reporting on discharged debt.
I just saw where one of my discharged debts had been sold after my BK 7. Couldn't figure out why. This is probably the reason.
By The Destroyer
I sent a FOAD letter to Portfolio Recovery Services on August 21st. They're attempting to collect an alleged debt that is pasy the SOL. The credit line for the debt is off my credit report, but Portfolio continues to come up in the "account review inquiries" section of my report. The last time they pulled my report was September 9th.
My question: does portfolio have a legal right to check my credit report? I have told them I won't pay and not to contact me anymore... are they violating FCRA? Does the (soft) inquiry negatively impact my credit score?
Thanks for the help!
I have been trying to clear up DH report. I received a letter from LVNV attempting to collect.
These are our facts:
Date opened: 3/6/2008
Account was opened, used, closed and past SOL in FL (SOL is 4 years)
We moved to IN after it went past the SOL in FL but it is also past the SOL in IN (6 years)
The OC account is scheduled to fall off 03/2015
LVNV funding started reporting on 11/17/2008 (TU) and 11/01/2008 (EX, EQ)
Should I just ignore their letter and let them fall off in a year, or could I send them a letter back for trying to collect on an account that is past the SOL.
Should I dispute with CRA first with this http://whychat.5u.com/initdispltrsol.html
and the with CA with this?
Thank you in advance
I have been trying to get a correct, legal answer to this question. I have several zombie TL's on my reports which come back verified (thanks Experian and Equifax). Various online sites say reporting zombie debt (debt known to be outside of the statute of limitations) is illegal, while other sites that debt can remain on credit reports for 7 years.
Is there a straightforward answer to this?