LadyC Posted October 11, 2003 Report Share Posted October 11, 2003 Hi guys does anyone have any idea whats going on. I have an acct that has been placed back on my DH report that has also been reaged. The original acct was paid to MCI 4 or 5 years ago and now this is the 3rd company to try and collect on the same amount of money. It was added about 4 days ago. How do i get them to remove. its been added on to experian. I live in Ca. HELP Link to comment Share on other sites More sharing options...
paw67 Posted October 11, 2003 Report Share Posted October 11, 2003 Do you have proof that the account was paid? Was the account re-inserted or was this the 1st time that it was listed? If it was re-inserted, you need to wait the 5 days for the cra to notify you & when the don't (because they rarely do) then send them a letter to delete immediately & ensure that it does not reappear. If this is the 1st that is has appeared, you can do a couple of different things. You could send them a dv letter & watch them start to rack up the violations or you could send them a c&d letter and again, they will probably rack up the violations. Be sure to dispute with the cra as soon as you get the green card back.Good luck!paw67 Link to comment Share on other sites More sharing options...
LadyC Posted October 12, 2003 Author Report Share Posted October 12, 2003 hi Paw thanks for the help. this is a re insertion that was removed 3 or 4 months ago, and an account paid to OC in 98 or 99 I have old Credit reports where NCO tried to collect the same money. What should I do HELP Link to comment Share on other sites More sharing options...
nativechild48 Posted October 12, 2003 Report Share Posted October 12, 2003 Hi Lady;Paws asked you if you have proof that the acct. was paid; then you have leverage to fight with. If this acct. has illegally been changed then that is a violation of the applicable fdcpa laws and you got a lawsuit; first fing your paperwork and see the dates. Good Luck Link to comment Share on other sites More sharing options...
LadyC Posted October 12, 2003 Author Report Share Posted October 12, 2003 I wrote checks back in 98 or 99. hopefully i can find them. i split up into 4 payments. Link to comment Share on other sites More sharing options...
nativechild48 Posted October 12, 2003 Report Share Posted October 12, 2003 Hi LadyC;I was checking back before I shut down for tonight, and saw your post again. Yeah find those checks (hope they have the acct no) and any other info that you can and then you have the leverage. The real good thing is now you I, us are more aware of preserving proof, of payments and everything. Don't panic, and you will find it. I have had things right in front of me and looked past it because I was in a state of panic. Take care Link to comment Share on other sites More sharing options...
LadyC Posted October 12, 2003 Author Report Share Posted October 12, 2003 thanks native I think i have to go to the bank for this one wish me good luck Link to comment Share on other sites More sharing options...
kb9tbq Posted October 12, 2003 Report Share Posted October 12, 2003 Oh, ok, sorry Lady C did not see you had paid on this... but still would try the way that I pm'ed you on. And yea try to find back checks & past Credit Reports that may show this to be paid. Link to comment Share on other sites More sharing options...
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