bap19 Posted January 29, 2005 Report Share Posted January 29, 2005 I have a charge off (not paid) showing up as an OC and a CA FIRST USA BANK EQuifax Experian TransunionAcct Status Closed Closed Not reportedDate open May 1997 May 1997Balance 0 0Past Due 0 0Remarks Charged Off Transferred to Bad debt another lenderThe Bureaus Inc Equifax Experian TransunionAcct Type Not reported Collection CollectionDate Open Jan 1999 Jan 1999Balance $6557 $6557Remarks Collection CollectionI live in California - should I DV this sleeping giant or just wait till they come off??? Please help Link to comment Share on other sites More sharing options...
adminppdotcom Posted January 30, 2005 Report Share Posted January 30, 2005 I have a charge off (not paid) showing up as an OC and a CA FIRST USA BANK EQuifax Experian TransunionAcct Status Closed Closed Not reportedDate open May 1997 May 1997Balance 0 0Past Due 0 0Remarks Charged Off Transferred to Bad debt another lenderThe Bureaus Inc Equifax Experian TransunionAcct Type Not reported Collection CollectionDate Open Jan 1999 Jan 1999Balance $6557 $6557Remarks Collection CollectionI live in California - should I DV this sleeping giant or just wait till they come off??? Please helpIt looks like the collection agency one has been re-aged by at least 2 years. You can dispute that with the consumer reporting agencies.Simply listing the account on a consumer report does not start the validation process. They would not be required to send you anything. But if you called them, they would have to send you a notice of validation rights. See here for more on that.: http://www.debt-consolidation-credit-repair-service.com/phpBB2/viewtopic.php?t=24415 Link to comment Share on other sites More sharing options...
divemedic Posted January 30, 2005 Report Share Posted January 30, 2005 What sleeping giant? SOL and 7 years are out Link to comment Share on other sites More sharing options...
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