NewLife4Me Posted November 14, 2007 Report Share Posted November 14, 2007 I checked my credit report toady and noticed have a 9 year old cell phone bill still on my credit..They were supposlly was taking money direct bill pay from my account. My cell phone statements always came back as paid every month, but after a year they "Cell phone company" say their has been a mistake and that they have never been receiving the payments from my bank and that $800 was due asap . Now I was very young then and I couldnt afford to pay that so it went to collections in '98Now every time I dispute CRA it always comes back verified or updatedNotice in the pics below it says no late payments in 7 years, but they have had this account CO since '98. I haven't made a payment nor contacted this company since '98.What should I do?? Should I DV Alltell or disptue CRA again?? Link to comment Share on other sites More sharing options...
merkurfan Posted November 14, 2007 Report Share Posted November 14, 2007 Use dispute with OC link at top of page. If they got your money, or someone did, and you dropped the ball back then that money is long gone. However since this baby is past reporting you should be able to get rid of it. dispute with the OC and perhaps call EX and ask them what the DOFD is. If there is not one, ask them to start a dispute based on the missing information. With the update in 2006 and missing DOFD that is the reason this bugger is likely sticking to your file. Link to comment Share on other sites More sharing options...
NewLife4Me Posted November 14, 2007 Author Report Share Posted November 14, 2007 And what exactly is DOFD? Thats a new one to me. Link to comment Share on other sites More sharing options...
newbie7069 Posted November 14, 2007 Report Share Posted November 14, 2007 DOFMD (Date Of First Major Delinquency) is the date that determines the 7 1/2 yr reporting period. Link to comment Share on other sites More sharing options...
NewLife4Me Posted November 14, 2007 Author Report Share Posted November 14, 2007 Ahhhh, well I know that. That would be at the end on '97 or "98 Link to comment Share on other sites More sharing options...
merkurfan Posted November 14, 2007 Report Share Posted November 14, 2007 I'm glad you know that now.. make sure EX knows it too. It is not uncommon to see this important piece of info missing from a TL. When that date is missing it's near impossiable for the CRA to know when it should be removed. That is why I suggest to try to get that date from EX. That way you know what they think it is, or if they even have one. If it's missing, or wrong dispute it. Link to comment Share on other sites More sharing options...
swirlgirl Posted November 14, 2007 Report Share Posted November 14, 2007 Dispute the TL as Obselete. Tell them the DOFD was back in '97. Link to comment Share on other sites More sharing options...
creditquestions Posted November 14, 2007 Report Share Posted November 14, 2007 Please remember to log back on and tell us the results! Link to comment Share on other sites More sharing options...
NewLife4Me Posted November 15, 2007 Author Report Share Posted November 15, 2007 **Update**Okay I check my Fico credit report and I got the DOLP from their site. It is reported as march 2003...I laughed my A** off. They are totally lying..!!DOLP is back in 97. I havent even called nor paid on this account since '97, a whole decade and they even lied and have me marked down as late on payments and ontime payments in 2005! Wow, I never knew how shady some CO and CR. I feel violated...***See Attatched image***Alltel is not even the OC as they portray it The OC was Centurytel but Alltel bought them out.So what should I do now. Whats the game plan to finally get this off my Experian report??? Link to comment Share on other sites More sharing options...
NewLife4Me Posted November 15, 2007 Author Report Share Posted November 15, 2007 bump bump Link to comment Share on other sites More sharing options...
Recommended Posts