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Haunted by an old account


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Hi....here is my problem. I disputed a "settled for less than full amount" on an old mastercard account as "not Mine" in August of 2004. Experian is the only CRA reporting this. March 2005 I dispute as "time Barred" as account was settled January 1998. I review PG everyday and I noticed that the monthly status for this account had been ND ( no data) and all of a sudden it is CO as of 03/05. Needless to say this tanked my credit score. Any ideas as to what my next step should be?

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It doesn't matter who is reporting it. This is reaging. I would send them a letter, telling them it is reaged. Then, when you get the green card, redispute with the CRA. If they reverify, sue. (as long as you got the settlement in writing, if not, you may have trouble proving it)

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