grantjeffries Posted August 5, 2003 Report Share Posted August 5, 2003 I believe RMA re-aged my Sears account. I sent a copy of the collection letter and my current credit report showing the TL & hard inquiry to edcombs.com. They are willing to take my case if I can provide PROOF the original TL was re-aged. I sent a DV letter to RMA last month. I haven't received anything back from them yet but I saw online that Equifax verified the dispute already. Now I can't find an old copy of my credit report so I called Sears and asked for the collections department. They found a record of the account being sold but told me there was no further information available. They cannot tell me when they sold the account, when it charged off or the DOLA. The rep told me the only thing I can do is write a letter to the following address and someone would research it for me:Sears7023 Albert Pick RoadGreensboro, NC 27409Attn: Agency ComplaintsI asked if she received a lot of calls regarding this but she would only tell me that this address existed for a reason Is this what happens with all OC's? I have another account that I would like to know the correct DOLA since it is listed differently on each of CRA's.Thanks,Grant Link to comment Share on other sites More sharing options...
retmar Posted August 6, 2003 Report Share Posted August 6, 2003 It seems I heard someone say a few months back that the CRA keeps deleted items for two yrs or something like that. Not sure if that only meant the items that were deleted due to dispute or not. Does your current report show any dates or confirmation numbers in the inquiry section from around that period of time? If so, call the CRA and see if they still can retrieve that report from their files. Otherwise, do as you were advised and, at the same time, tear up your house looking for that old copy.Hopefully, KB will read this thread and comment. She is the real expert on reports. Link to comment Share on other sites More sharing options...
kb9tbq Posted August 6, 2003 Report Share Posted August 6, 2003 Thanks, Retmar:I have been following grantjeffries progress for a bit now, complicated as it is - I had not thought of your suggestion of seeing if the CRA would have a back copy of the credit report (I had not run into anyone having asked and aquired back copies either). That would be interesting to call and see, I am not sure how fruitfull that may be though.I don't think at this point there will be any real harm in writing to Sears to see what their investigation my produce (if you are lucky enough - they might just not be able to find the account at all) putting you in a good position to demand them and the collection agency to quit reporting all together.Sears is not showing up on your credit report are they? If that is the case you may just dispute directly with the CRA - pointing out the fact that Sear is no longer reporting; having expired this collection agency should not have a right to even be on your credit report. Try that angle to see what they may do also. Link to comment Share on other sites More sharing options...
retmar Posted August 6, 2003 Report Share Posted August 6, 2003 KB, what caused me to think of that is on our EQ's, where it shows the inqs, each of our "disclosures" includes the confirmation number of the respective report sent to us. Link to comment Share on other sites More sharing options...
curlytop Posted August 6, 2003 Report Share Posted August 6, 2003 Grant, I think they are known for doing this. Mine has also been re-aged. I read in one of the CA sites a thread where Picantel was fighting with a CA. He said something like "RMA ALWAYS reages Sears accounts at least 6 months! Everyone knows that!" So, maybe that's why they have that address. It sounds like a common problem with them. Keep us updated! Link to comment Share on other sites More sharing options...
kb9tbq Posted August 6, 2003 Report Share Posted August 6, 2003 Got my curiosity now, I know when I get my next credit report - I may just make a shopping list of things to grill the CRAs on, LOLI have been wanting to pull my credit report again - don't really have any disputing to do (other then them pesky inquiries) May just take the opportunity to Q&A the rep at the CRAs, lol Link to comment Share on other sites More sharing options...
monkeymama Posted August 6, 2003 Report Share Posted August 6, 2003 Grant,I too have RMA trying to collect from an old Sears account. After reading your post I checked an old CR with Sears listed, and the DOLA is 8 months earlier than the DOLA RMA is currently listing.Sometimes being a pack rat pays off.Good luck Link to comment Share on other sites More sharing options...
kepok Posted August 6, 2003 Report Share Posted August 6, 2003 I responded to this topic on another board, but thought I'd respond here also. My DH's Sears account that RMA bought has also been re-aged. I plan to begin this fight with them in the near future. I have already tried disputing the items all together as "not mine" with no luck. Please keep us updated on the outcome with Sears and RMA.Thanks!! Link to comment Share on other sites More sharing options...
retmar Posted August 6, 2003 Report Share Posted August 6, 2003 I must comment on this. I've been noticing way too many people saying that RMA is reaging the debt. Why don't all of them send a letter to the AG of the state RMA is located in. Why not have someone draft a letter here and post for the others. Everyone use it and try to send all of them within a day, thus causing the AG to be "overloaded" with complaints. Maybe it would wake them up and get something done about RMA. Link to comment Share on other sites More sharing options...
kb9tbq Posted August 7, 2003 Report Share Posted August 7, 2003 Very good idea, I was thinking the flip side of this that every one contact the same lawyer - like edcombs.com to see if a class action could be taken against this company all at once. Link to comment Share on other sites More sharing options...
retmar Posted August 7, 2003 Report Share Posted August 7, 2003 That would work quite well, also. Overload both of them. Link to comment Share on other sites More sharing options...
curlytop Posted August 7, 2003 Report Share Posted August 7, 2003 Kb, I just posted the exact same thing (about edcombs.com) on another board yesterday. There was a thread on RMA-Sears reaging. I put a link to this thread. I think we should do it. Anyone up for a Class Action? He-he! Link to comment Share on other sites More sharing options...
kb9tbq Posted August 7, 2003 Report Share Posted August 7, 2003 We can re-name this post and stick it to the top - to catch people dealing with this company that wants to get involved. Link to comment Share on other sites More sharing options...
curlytop Posted August 7, 2003 Report Share Posted August 7, 2003 Great idea! Can you do it or do we need to contact Swede/Kristy? Link to comment Share on other sites More sharing options...
CTownTerryM Posted August 7, 2003 Report Share Posted August 7, 2003 If you do this, I'm in! RMA has reaged, not validated (after 2 letters), not reported to the CRA as "disputed", and continues to try to collect on an out of SOL debt. AND, their last letter I just noticed, threatened "legal action" if I didn't pay within 15 days. I just haven't gotten around to getting my info to edcombs. I'd feel better with strength in numbers....not good at going things alone. Link to comment Share on other sites More sharing options...
curlytop Posted August 7, 2003 Report Share Posted August 7, 2003 We should do a poll to see how many people are having these same issues. Does anyone know how to set that up? Kb? Then, we can approach Ed Combs, or ? as a group.I sent an email to Christine over at creditforum.org to see if she will post a link to this topic. I know some of her readers are having the same problems with RMA. She is very proactive with lawsuits re: credit. Let's see what happens! Link to comment Share on other sites More sharing options...
gumshoe Posted August 8, 2003 Report Share Posted August 8, 2003 I just pulled my EQ FICO-534.. and I noticed that RMA had an iquiry on my report. From all of the talk I assume they purchased my old Sears account which currently showing a o balance. How can you know when the SOL has expired. The last date of activity was June 1999. North Carolina SOL's for opened-accounts is 3 years which mean this expired last year (2002). What should I tell RMA if they try to contact me? Also I have a Providian account and the last date of activity was July 2001. One more year and that SOL expires? Right. Any help would be greatly appreciated. Link to comment Share on other sites More sharing options...
CTownTerryM Posted August 11, 2003 Report Share Posted August 11, 2003 You could DV them from the inquiry or wait till they contact you by mail. Then do the DV. When they don't respond (they didn't to mine....), or even if they do with the DOLA past the SOL send them whychats SOL C&D letter. (sorry I don't have the link) But I do have a letter you can use if you'd like. (It's whychats revised just a tad to fit my scenario). You can e-mail me and I'll send it as an attachment.The whole SOL begin date is very confusing to me, so I'll leave that up to the experts! I always have to consult the prior posts for that one! Link to comment Share on other sites More sharing options...
Financial Freedom Flyer Posted August 14, 2003 Report Share Posted August 14, 2003 I am also dealing with RMA re: a Sears account. They have reaged my husband's account. (It is his credit we are attempting to repair.) In addition, EQ has denied our first request to have this removed from his report. Even worse still, EQ is reporting BOTH Sears and RMA as accounts still active and in collections. We would be interested in a class action suit, in addition to getting on the bandwagon with anything else you guys might do as a group. I just mailed a DV request this week. I don't anticipate that they will respond. Link to comment Share on other sites More sharing options...
Grace Posted August 15, 2003 Report Share Posted August 15, 2003 RMA just took over my Sears account... They sent me one of those letters that says you have 30 days to dispute, so I disputed it.I'll keep an eye open for their response. It's past the SOL anyway.Grace Link to comment Share on other sites More sharing options...
admin Posted October 3, 2003 Report Share Posted October 3, 2003 What do you think of me moving this category somewhere else - it's really a credit card or credit bureau topic. Link to comment Share on other sites More sharing options...
CTownTerryM Posted October 3, 2003 Report Share Posted October 3, 2003 Boy we all were sure gung-ho on this topic when we first started it! Kinda fizzled out.....so I don't think it would much matter to any of us if you moved it.Maybe a new spot will get more responses and start us back up on our crusade against RMA and Sears! Link to comment Share on other sites More sharing options...
retmar Posted October 5, 2003 Report Share Posted October 5, 2003 I agree. It has kind of fizzled out. A move to a different or more applicalbe spot or section may work so we can keep it going. Link to comment Share on other sites More sharing options...
urbankitty Posted October 25, 2003 Report Share Posted October 25, 2003 Hi All, It's not just Sears accounts that RMA is re-aging. I have a debt with Capitol One that is over 7 years old. RMA keeps sending me "credit offers" to open a Capitol One account that would transfer the old debt to a credit card which I can then pay off. How considerate of them, huh?In addition, I have some other old credit card debts (again 7+) years old, on which RMA is still trying to collect. Ha! Fortunately, I have saved my older credit reports that actually show the date of last activity. I have been swamped at work and I'm in the process of moving to a new apt - so I haven't had time to sit down and review their letters and compare them with the dates of last activity yet. When I'm done moving, I plan on sending RMA a few letters telling them that the SOL is long past and that they are in violation of the FCRA.I wonder if I can sue them. Anyone else have these problems with RMA and non-Sears accounts?Thanks,UK Link to comment Share on other sites More sharing options...
b3rdhrd Posted December 26, 2003 Report Share Posted December 26, 2003 I have found that sears not RMA is reaging reports, sent RMA a DV letter no response, sent sears one waiting on reply??Sears keeps using other names to keep the acct going, Link to comment Share on other sites More sharing options...
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