dallas01 Posted April 18, 2007 Report Share Posted April 18, 2007 My First date of Delinquency reported on 3/2007 on Eq it has n/a for date opened. On my Ex it has 8/2006. This somehow doesn't seem right to me. On experian it shows going off my report on 2/2009. Link to comment Share on other sites More sharing options...
MadinKS Posted April 18, 2007 Report Share Posted April 18, 2007 My First date of Delinquency reported on 3/2007 on Eq it has n/a for date opened. On my Ex it has 8/2006. This somehow doesn't seem right to me. On experian it shows going off my report on 2/2009.Judging by the EX date, it appears they are re-aging. When was the OC DOFD? Do you have old copies of the CRs? If you do, they should have the proper information to dispute these. Link to comment Share on other sites More sharing options...
dallas01 Posted April 18, 2007 Author Report Share Posted April 18, 2007 The OC never reported this to the CR. Will this be caught since I disputed through the CB first? I know for a fact if this is my debt it would be no sooner than 12/4 when it happened. I've lived in the same place sine 1/5 and have never had a verizon account since then. My phone is with SBC. Link to comment Share on other sites More sharing options...
MadinKS Posted April 18, 2007 Report Share Posted April 18, 2007 The OC never reported this to the CR. Will this be caught since I disputed through the CB first? I know for a fact if this is my debt it would be no sooner than 12/4 when it happened. I've lived in the same place sine 1/5 and have never had a verizon account since then. My phone is with SBC.Have you sent a DV letter to Palisades yet? That would be your next step. Link to comment Share on other sites More sharing options...
dallas01 Posted April 18, 2007 Author Report Share Posted April 18, 2007 not yet, I've got about 14 days left from my dispute with the cra's. Link to comment Share on other sites More sharing options...
SecretAgentWoman Posted April 18, 2007 Report Share Posted April 18, 2007 NO NO NO.You have 30 days for your demand for validation. THAT should have been sent BEFORE you disputed with the CRAs, or at the same time at the very least. DV right away, don't delay! Link to comment Share on other sites More sharing options...
dallas01 Posted April 18, 2007 Author Report Share Posted April 18, 2007 Yes, I know it was done wrong. I hadn't yet found this site. However my plan is to wait after my dispute with the cra's about a month and then doing the 1 - 2 punch way. I've been told by Ex and TU that this is coming off my CR in 2009. That would make the debt from 2002 if my subtracting is right. They have 12 more days now to validate with CR's so far they have not. I've never talked to 1 person from Palisade's. This is a big suprise to me. I also had a Midland on my report for a SW Bell phone account for 2002. After careful checking I've come to the conclusion that my brother used my name to get the phone cut on. Midland seems to be reporting right. Link to comment Share on other sites More sharing options...
MadinKS Posted April 18, 2007 Report Share Posted April 18, 2007 I've come to the conclusion that my brother used my name to get the phone cut on.Sounds like you need to put a pop knot square on your bro's forehead! Link to comment Share on other sites More sharing options...
dallas01 Posted April 18, 2007 Author Report Share Posted April 18, 2007 Sounds like you need to put a pop knot square on your bro's forehead! Yes, I think I'm going to send a CA after him for the money he owes plus damages to my credit:lol: Link to comment Share on other sites More sharing options...
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