help with asset acceptance

[burdettefamily4]

I have found an old credit report and I need help, to see if I can use it to get Asset to go away.I had an account with Providian open in 1-2001 as per the credit report, the last activity was 12-2002.It was charged off 9-2003. It was then sold to Cavalry, then sold to Asset, On the same report that Asset reported to it says in the status details that Asset can not locate individual/collection account. Account history collection as of 9-2004 - 12-2004 credittor can not locate individual 9-17-2004 -12-22-2004 Now Asset says on my new report that the account was open in 8-2004. correct me if I am wrong but doesnt the law say that if an account is sold that the collection agency can not change the dates of when the account was open by the oc? Any advise on how to proceed to get them off my report, I only have 2 negs and this is one. this report is from 1-3-2005 can i still use it to prove that asset is reaging? thanks for all the help

[rmuse00]

The DOFD (date of first delinquency) is what you need to be looking at. Sometimes what you might think is the "open" date is really indicating the day "Asset" obtained it. It may appear to be re-aging but it's not. If asset is reporting the DOFD, which is the day your account went into default, incorrectly then they are reaging. Have you sent in a request for validation? (DV) I would DV asset and then after you receive confirmation that they have your request go ahead and dispute with the credit bureaus (CRA)that they are reporting on. If they verify with the CRA and do not validate with you and continue to report this tradeline on your report they are in violation. This would be the best first step to take. Continue to read here for more on debt validation" http://www.creditinfocenter.com/rebuild/debt_validation.shtml

[Fizzle1979]

The DOFD (date of first delinquency) is what you need to be looking at. Sometimes what you might think is the "open" date is really indicating the day "Asset" obtained it. It may appear to be re-aging but it's not. If asset is DOFD, which is the day your account went into default incorrectly then they are reaging. Have you sent in a request for validation? (DV) I would DV asset and then after you receive confirmation that they have your request go ahead and dispute with the credit bureaus (CRA)that they are reporting on. If they verify with the CRA and do not validate with you and continue to report this tradeline on your report they are in violation. This would be the best first step to take. Continue to read here for more on debt validation" http://www.creditinfocenter.com/rebuild/debt_validation.shtml

You can also file a complaint with the ACA, if you send in your supporting documents.

http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=276371