Jump to content

Finally have my cedit clean NOW THIS!!!


dustman
 Share

Recommended Posts

Hello friends

I had a account with alltell financial thatwas reporting on the 3 bureaus. On the 3rd round of disputes it dissappeared off of ex and eq. TU can always verify magically.

Now the thing is these were deleted off my 2 credit reports 6 months ago. The debits themselves arent too old mabye 2 years.

So today i get a letter from OMNI credit out of florida. Apparentely they sold the debit to a collection agency.

My main questions are this.

1- Can this CA report this account (there be 2 reportings on the same account) in addition to alltel doing a tradeline?

2-what can i do to keep this OFF my credit report? to keep them from putting a tradeline on?

I will DV on tuesday and see what happens.

Thanks for everyones help

Link to comment
Share on other sites

Yep...these things have a habit of popping up again...

1- Can this CA report this account (there be 2 reportings on the same account) in addition to alltel doing a tradeline?

Yep...fraid so, unless you get the DV to them before they report.

2-what can i do to keep this OFF my credit report? to keep them from putting a tradeline on?

call the OC and play dumb..."oh gee, I found this in my sock drawer, forgot all about it...can I pay it now?..." (Of course that might not work if the debt has been sold.

(I'd still go ahead with the DV...the CA or JDB will still need to be dealt with)

Link to comment
Share on other sites

Thanks

As of today new years eve it has NOT been posted on my report from this CA only from the OC and 2 of them have been deleted.

SO if i can get the DV sent to them before there is a tradeline from them they CANT legally report it until its validated to me right?

Can they even put it on my Credit report before the 30 days is up?

Mabye i should send it priority mail :-)

thanks

regards

shane

Link to comment
Share on other sites

Thanks

As of today new years eve it has NOT been posted on my report from this CA only from the OC and 2 of them have been deleted.

SO if i can get the DV sent to them before there is a tradeline from them they CANT legally report it until its validated to me right?

Can they even put it on my Credit report before the 30 days is up?

Mabye i should send it priority mail :-)

thanks

regards

shane

Send it CMRRR..(Certified Mail Return Receipt Requested)

Link to comment
Share on other sites

SO if i can get the DV sent to them before there is a tradeline from them they CANT legally report it until its validated to me right?

Can they even put it on my Credit report before the 30 days is up?

Technically, its a violation of the FDCPA "continued collection" clause for them to report anything other than "in dispute" on your CRs. However, "in dispute" is enough of a ding...and, this single violation is probably not enough to win a court case.

And, doing something illegal is not enough to stop a CA from hassling you.

Link to comment
Share on other sites

Guest
This topic is now closed to further replies.
 Share

×
×
  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.. For more information, please see our Privacy Policy and Terms of Use.