apes Posted April 4, 2008 Report Share Posted April 4, 2008 The debt is nearing the 7 year mark (according to "estimated" dates on report) and the OC has deleted, but all the CA sent me was a settlement offer. I have sent them a DV letter and am waiting for response. My question is can they still report if the OC has already deleted? The "estimated" date of removal on the CA account is 10/08 but the DOLA was 4/01. Thanks. Link to comment Share on other sites More sharing options...
kb9tbq Posted April 4, 2008 Report Share Posted April 4, 2008 The collection agency is not suppose to out report the original creditor unless you are dealing with a student loan. Do you have a back copy of the credit report showing the original creditor, send a copy of that to the credit reporting agency disputing that the OC listing expired and that the collection agency reported the drop off date incorrectly. Link to comment Share on other sites More sharing options...
LoveToGod Posted April 4, 2008 Report Share Posted April 4, 2008 The collection agency is not suppose to out report the original creditor unless you are dealing with a student loan. Do you have a back copy of the credit report showing the original creditor, send a copy of that to the credit reporting agency disputing that the OC listing expired and that the collection agency reported the drop off date incorrectly.Yes. This person is right, and I would do exactly what is said here. I would also send an intent to sue letter to the CA for failed DV if they failed to validate, and for reporting beyond the 7 years. Make it a heated letter. Link to comment Share on other sites More sharing options...
apes Posted April 6, 2008 Author Report Share Posted April 6, 2008 Thank you for your help. I am waiting for my validation response and I will take it from there. It's my last big baddie that I am waiting to come off so I am crossing my fingers!!! Link to comment Share on other sites More sharing options...
TTigggers Posted April 6, 2008 Report Share Posted April 6, 2008 Did the OC delete because you disputed it or because it was old enough to fall off?The reason I ask is because if you disputed with the OC and it came off but there was still some time left to report then the CA can report until the TL is truely past reporting period and dead. Link to comment Share on other sites More sharing options...
Amerikaner83 Posted April 6, 2008 Report Share Posted April 6, 2008 The "estimated" date of removal on the CA account is 10/08 Sounds like OP disputed, and it was deleted. I agree with TTigggers above me. The CA can still report until that date. If OC deletes as a result of dispute, does not mean that automaticlaly the CA has to go poof at that time as well. CA only goes poof once reporting period (October 2008) is over. Link to comment Share on other sites More sharing options...
Robert Nashville/Savannah Posted April 6, 2008 Report Share Posted April 6, 2008 If the allowed reporting period has run then no one (OC or CA) should be reporting and I would approach on that basis. However, if I understand correctly, the reporting period has not run out yet??If that is the case, then my understanding would be that the OC's decision to remove the tradeline is indipendent of the CA's decision...bear in mind that the removing of a tradeline does not mean the debt no longer exists and/or can't be collected - if the CA is still acting on bahalf of the OC then teh CA can report the tradeline until the allowed reporting period has run its course (that is assuming, of course, that the tradeline is accurate). Link to comment Share on other sites More sharing options...
apes Posted April 7, 2008 Author Report Share Posted April 7, 2008 Well I believe the charge off date was in fact in April 2001 (and I did not have any activity on account afterward) according to the dates reported by OC on my older credit reports. That is what the OC based its reporting date off of, and I assume that is why they removed it when I disputed. They report the "estimated" removal date as 4/08 and the CA listed it as 10/08. Shouldn't their information be the same since it is the same account? Link to comment Share on other sites More sharing options...
Robert Nashville/Savannah Posted April 7, 2008 Report Share Posted April 7, 2008 The period allowed for reporting is approximately 7.5 years from the date of first major deliquency and whatever that date is...it is; meaning that regardless ofo "who" is reporting, the reporting period should be the same.The problem is proving that the correct period is...if you don't persnoally have evidence to support the April 2001 date then I would try to get it deleated on that basis that the OC already has because the reporting has run.Howver, the 10/08 date may come up and it get deleated for that reason befor you get a favorable resolution to your dispute! Link to comment Share on other sites More sharing options...
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