jstincrdible32 Posted May 5, 2005 Report Share Posted May 5, 2005 If a CA is calling me about a past bill that is no longer on my credit report, if I send a DV letter or a C&D letter, can the CA put this back on my credit reports?My score is very good right now and im am lost about this. They are calling my job and I want them to stop. Will sending these letters be a good move for me and my reports or not?Thanx in advance. Link to comment Share on other sites More sharing options...
GreatGadsby Posted May 5, 2005 Report Share Posted May 5, 2005 why was it removed in the first place? that can make a difference. Link to comment Share on other sites More sharing options...
divemedic Posted May 5, 2005 Report Share Posted May 5, 2005 We need more details to help you. Link to comment Share on other sites More sharing options...
DocDon Posted May 5, 2005 Report Share Posted May 5, 2005 You also need to read the FDCPA (link is above). Link to comment Share on other sites More sharing options...
jstincrdible32 Posted May 6, 2005 Author Report Share Posted May 6, 2005 why was it removed in the first place? that can make a difference.Good question. In fact, this account hasnt been on any of my reports for years. I remember paying on this years ago and then I stopped because things happen. I havent heard from NCO in 3 yrs, then all of a sudden, here they go with the calls.This was a college credit card from 1991 and I stopped paying on it in 2002. Hope this helps.Thanks Link to comment Share on other sites More sharing options...
GreatGadsby Posted May 6, 2005 Report Share Posted May 6, 2005 so ti just disappeared on it's own? if it had disappeared b/c you disputed and they couldn't verify w/ the CRA, then they had to give you notice within 5 days that it had been re-inserted. if it just disappeared on it's own, then I don't know. is it being reported correctly? Link to comment Share on other sites More sharing options...
jstincrdible32 Posted May 15, 2005 Author Report Share Posted May 15, 2005 All I know is that OC and the CA is NOT on any of my CRA reports. I sent a DV email now im thinking I shouldve sent a CD letter/email. Can the CA re-insert this account on my CRA report if its validated? Since this account is off my CRA, im guessing the SOL has past. Should I have NOT sent the DV email since this is off my reports?At this point, what should I do now? Link to comment Share on other sites More sharing options...
Revco Posted May 15, 2005 Report Share Posted May 15, 2005 What you're saying is this account is from 1991...in which case, if the DOLA is from 1991, they cannot reinsert into your CR. Even having paid on this account will not reset this clock. A DV will effectively prevent them from collecting on it until the DV is done (at least it's a violation if they do). You can follow that up with C&D once you receive the DV (if at all).Provided this account wasn't closed or sent to C/O status within 7 years and 180 days ago, you shouldn't worry about a reinsertion. And if it does, hopefully you have records to prove dismissal. Link to comment Share on other sites More sharing options...
jstincrdible32 Posted May 15, 2005 Author Report Share Posted May 15, 2005 What you're saying is this account is from 1991...in which case, if the DOLA is from 1991, they cannot reinsert into your CR. Even having paid on this account will not reset this clock. A DV will effectively prevent them from collecting on it until the DV is done (at least it's a violation if they do). You can follow that up with C&D once you receive the DV (if at all).Provided this account wasn't closed or sent to C/O status within 7 years and 180 days ago, you shouldn't worry about a reinsertion. And if it does, hopefully you have records to prove dismissal.Thanks for the response. I feel better now. I have the C&D waiting and ready. Link to comment Share on other sites More sharing options...
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