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About dlgone

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  1. Maybe it will help to see how LVNV reports on the CRAs. These are from my online reports acquired through annualcreditreport.com. Experian: Original Creditor: $OC Status: Collection account. $X due as of $DATE Type: Installment Terms: 1 Months Account History: Collection as of $DATE, $DATE, $DATE, etc. Equifax: Listed under "Other Accounts" Current Status: Type of Account: Open Creditor Classification: Financial Type of Loan: Factoring Company Account (debt purchaser) Comments: Collection account 81-Month Payment History: No 81-Month Payment Data available for display. TransUnion: No payment
  2. I have recently started the process of repairing my credit. Many thanks to the helpful posts on this forum here. My First round of disputes is complete. I started this before I started any credit monitoring. I now use TC. As such, I can't note any actual changes to my FAKOS. I started with a blanket disputing of most of the negative TL on my report. These were all done online. I was just getting started, and missed a few I'll have to go back for later. Anyway, here's some statistics from EX, the first to finish the dispute process: Auto loan: Was 2X60, 7X30. Now deleted. CO: Disputed
  3. Thank you for the quick response. I was looking for assurance that "harm or breech" was actually the first delinquency after which the account was never brought current. I have been avidly reading this forum and was unclear if the "Charge Off" date was sometimes used in lieu of the first delinquency after which the account was never brought current. I am aware of the SOL being tolled if at any time I were to have left the state. I have not left the state at all in the last four years. Are there any other actions which you are aware of that would toll the SOL? I am aware that the SOL does
  4. I have a question regarding the SOL. I live in California, if that makes a difference. I am aware of the term (4 years), but would like some clarification on when the 4 years starts running. I had a credit card account. The following summarizes the payment history: 10/2003 Current 11/2003 30 Days Late 12/2003 60 Days Late 01/2004 90 Days Late 02/2004 120 Days Late 03/2004 150 Days Late 04/2004 Charge Off The account was then picked up by a JDB in 05/2004. So my question, does the SOL expire 10/2007 (4 years from last payment), 11/2007 (4 years from first delinquency), or 04/2008 (4 y
  5. Yes, this what is happening. Though the "Status date" is 3/2007 and I was told by the Collection CO of America representative that the account was "sent back to the principle" 4/2007. My plan is to follow hiblues advice and start by disputing with the CRA. I am waiting until the current disputes I have with the CRA are finished, so as to ensure that I don't inadvertently extend the time on those disputes. Those should be wrapped up on 1/13/2008, but they acually have 15 additional days due to my using my annualcreditreport.com report to dispute the previous items. I'll keep this thread upd
  6. Thank you for the quick response. I will dispute with the CRA ASAP. I need to wait, as I am in the middle of another dispute and my understanding is that any additional disputes could lengthen their time time respond. Thanks again.
  7. Thank you for the assurances. Time to get to work on one of my other TL.
  8. Hello and thanks for taking time to read my ramblings. I am in the process of repairing my credit. I have an account that was from a couple of years ago that "slipped through the cracks", so to speak. It was an account with HSBC BANK. I moved without a forwarding address. Don't recall the status of this account, but on reviewing my credit file it appears as: HSBC BANK TransUnion Experian Equifax Account No.: xxxxxx**** xxxxxxxx**** xxxxxxxx**** Condition: Closed (Paid) Closed (Paid) Closed (Paid) Balance: $0 $0 Type: Credit Card Credit Card Credit Card Pay Status: Curre
  9. This is my first post. Thank you all for the excellent advice. I have recently begun my credit repair journey. I have one particular account I would like some advice on. I have an old phone bill from about three years ago that was never paid. The balance is small, about $125. The account was with SBC, which is now AT&T. I noticed a collection on my credit report that pertains to the old bill. It is listed under "Collection Co of America". It shows as follows: Date Reported: 03/2005 Date Assigned: 10/2004 Original Amount Owed: $125 Date of 1st Delinquency: 12/2005 Balan