J.Daniels Posted January 9, 2005 Report Share Posted January 9, 2005 Hi all,been reading many threads on this wonderful BB to get a basic knowledge level. Ready to ask my question:Returning to the U.S. after being away since 1999. Last payment on CC were made June -99. I suppose that this is also the DOLA for all my transactions.Used to live in Florida, where most CCs were opened. Believe that one CC (Citibank) was opened in early 1990' when I lived in Calif.The first step should be to get my CRA reports. Now, the questions:1) Will I be able to get the reports online by sending the CRAs my SSN, previous addresses, Drivers license #? (They won't send them to my European address if I understand correctly)2.) Will requesting the CRA in anyway restart any clocks with regards to the potential SOL for these debts?3) Anything else I should think about before ordering the credit reports online?4) I cannot possibly have been served to appear in court since I have not been in US during this time. Am I correct in assuming that no judgements have been entered against me in court?---edited for length---- /J.D. Link to comment Share on other sites More sharing options...
J.Daniels Posted January 10, 2005 Author Report Share Posted January 10, 2005 Some answers to my own questions and some new ones:I got the 3 in 1 report from experian.com. EX 577EQ 571TU 571"POOR" I notice that a CA called Anderson Financial Network has taken over an account in 2001 and also are reporting a balance as of Sep 2001. Is this correct? I haven't made any payments since 1999 June. Isn't this an attempt to keep the item on the record past its original SOL?The original debtor is still on the report under Trans Union, while Anderson is under EQ ans EX. Is this normal?Another one is Asset Acceptance Mgmt. They are reporting balance as of 2004 Nov??? I think they have taken over a Citibank account, which says "For collection". Citibank is listed under TU, and AAM under EQ. Nothing under EX.Cap1 reporting the account with balance date 2005 Jan 01 !!!! At the same time they write Chargeoff. What to do here?The reports seem to lack mention of Date of Last Activity. How can I determine them?Greatful for answers!J.D.Other remaining Qs:1) Will I be able to get the reports online by sending the CRAs my SSN, previous addresses, Drivers license #? (They won't send them to my European address if I understand correctly) DONE2.) Will requesting the CRA in anyway restart any clocks with regards to the potential SOL for these debts? NO3) Anything else I should think about before ordering the credit reports online?NO4) I cannot possibly have been served to appear in court since I have not been in US during this time. Am I correct in assuming that no judgements have been entered against me in court?No public records on my record as of today Link to comment Share on other sites More sharing options...
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