carlinacountry Posted November 15, 2007 Report Share Posted November 15, 2007 I'm kind of new to credit repair. I pulled my credit reports for the first time a couple months ago and was surprised at how bad they actually were. I've had mixed results with my efforts so far. I did manage to get one collection deleted (it wasn't mine) and disputed a few inquiries off Experian. About a month and a half ago, I sent out a PFD on one of the my collections. I didn't even try disputing it because I was pretty sure it was mine. Since it was only $56, I offered to pay in full if they'd delete. I still haven't heard anything from them on it. My credit report shows the last time they updated was 2003. Should I dispute this and send a DV to the CA? Or should I try going to the OC for a PFD?On Monday, I disputed 2 collections (not sure they are really mine) and a chargeoff (which is mine, but isn't reporting accurately). Yesterday, I got the results back from Experian saying the chargeoff and one of the collections were verified. The chargeoff also updated the same day, but it's still not right. Would 2 days really be considered a "reasonable investigation" that they're required to do under the FCRA? Where should I go from here? DV and/or MOV? Link to comment Share on other sites More sharing options...
lolah Posted November 15, 2007 Report Share Posted November 15, 2007 Welcome! For the PFD collection - how old is the account and what type of account is it? Link to comment Share on other sites More sharing options...
carlinacountry Posted November 15, 2007 Author Report Share Posted November 15, 2007 The PFD is for a medical collection. It was first reported in 2003, but I was actually treated in early 2002. Link to comment Share on other sites More sharing options...
lolah Posted November 15, 2007 Report Share Posted November 15, 2007 The PFD is for a medical collection. It was first reported in 2003, but I was actually treated in early 2002.Most medical collections fall under the Uniform Commercial Code (UCC) in mosst states, which has an SOL (statute of limitations) of 4 years. This SOL is the amount of time a creditor can collect from you. So, the good news is you are past the SOL.However, I am not sure how you can get it off your report. I am in the same exact situation with a medical collection. From what I have read and what has been suggested - keep disputing with the CRA's. Link to comment Share on other sites More sharing options...
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