debtfree Posted April 19, 2007 Report Share Posted April 19, 2007 Hello,I was a member here a few years ago and was very successful at getting alot of things deleted from our credit reports. However, did not get everything off and kind of dropped the ball.Anyway, my question is this, I sent dispute letters in to all 3 CRAs and stated on several accounts that there should be no late payments, "never late".This worked on one (a big one, I might add!) but not a few other smaller ones. I want to just dispute as "not mine" now. Can I do that? Do they have copies of my previous letters that state that I only dispute the lates??What do I do now??Also, anything anyone can think of that might have changed in the last 3 years that I might need to know??Oh, and what is the time period before something is supposed to no longer be on a credit report? I'm in Virginia. 7, 10 years??Are they supposed to, by law, remove these items from the report?And, I thought it was from date of last activity but now I'm reading that's not correct??I have several that were opened, for example, 9-97, last activity of 12-97 and 2-98. Thanks for any help! I am soooo rusty and was so on top of all this and now I'm lost and relearning again. Link to comment Share on other sites More sharing options...
willingtocope Posted April 19, 2007 Report Share Posted April 19, 2007 Also, anything anyone can think of that might have changed in the last 3 years that I might need to know??Oh, and what is the time period before something is supposed to no longer be on a credit report? I'm in Virginia. 7, 10 years??Are they supposed to, by law, remove these items from the report?And, I thought it was from date of last activity but now I'm reading that's not correct??I have several that were opened, for example, 9-97, last activity of 12-97 and 2-98. Welcome back! Yep, lots of things have changed...the FDCPA has been modified a bit, and the FCRA added. You need to read up on all of that...Time periods...remember there are two. The SOL is a state by state thing... check your VA statues for that...the date on which things fall off your reports is something different (FOD) and is measured from the date of first delinquency (DOFD), which is the date on which the account first went delinquent and was never brought current. The FOD should be 7 or 7-1/2 years after the DOFD. (Unless we're talking about judgements, which stay for 10 years). Link to comment Share on other sites More sharing options...
debtfree Posted May 1, 2007 Author Report Share Posted May 1, 2007 no, no judgments. So, I can demand that they remove the ones from 97-97 in the above post??Also, anyone know the answer to this......"Anyway, my question is this, I sent dispute letters in to all 3 CRAs and stated on several accounts that there should be no late payments, "never late". I want to just dispute as "not mine" now. Can I do that? Do they have copies of my previous letters that state that I only dispute the lates??" Link to comment Share on other sites More sharing options...
momof5 Posted May 1, 2007 Report Share Posted May 1, 2007 Reporting period is 7 years....97 was 10 years ago. Dispute as obsolete. Link to comment Share on other sites More sharing options...
debtfree Posted May 13, 2007 Author Report Share Posted May 13, 2007 Thanks.I assume, though, that no one knows the answer to my other question?? Link to comment Share on other sites More sharing options...
willingtocope Posted May 13, 2007 Report Share Posted May 13, 2007 "Anyway, my question is this, I sent dispute letters in to all 3 CRAs and stated on several accounts that there should be no late payments, "never late". I want to just dispute as "not mine" now. Can I do that? Do they have copies of my previous letters that state that I only dispute the lates??"They probably don't have copies of your letters, but there is undoubtedly a mark in their computer records that indicates what you've already disputed.If these carry a DOFD from 97/98 then you could dispute them as "past reporting period"... Link to comment Share on other sites More sharing options...
debtfree Posted May 17, 2007 Author Report Share Posted May 17, 2007 Okay, thanks. Link to comment Share on other sites More sharing options...
Recommended Posts