shdubu Posted September 6, 2008 Report Share Posted September 6, 2008 My husband has an old Verizon account that has been sold to Midland. When Verizon was reporting on his CR the drop off date was 2/2010. Verizon hs completely dropped off but now Midland is reporting date major delinquency first reported as 5/2008. So would this be reaging the account? I believe Verizon had 1/2004 as dofd on his other report. What should I do in this case? Link to comment Share on other sites More sharing options...
Ahntara Posted September 6, 2008 Report Share Posted September 6, 2008 The date a delinquency is REPORTED is unimportant.Read the FCRA 1681s-2, Subsection 623. Then contact the CRA and ask what month/year they have been provided by the Data Furnisher as the beginning of Reporting Period (per 1681c, Subsection 605). Then you will know if this has been re-aged.Be aware that, according to your post, this TL may remain until 2/2010. Link to comment Share on other sites More sharing options...
shdubu Posted September 6, 2008 Author Report Share Posted September 6, 2008 I know and thats what I was expecting I just didn't want them to list it as a new account meaning it will stay on the report longer. Link to comment Share on other sites More sharing options...
Ahntara Posted September 7, 2008 Report Share Posted September 7, 2008 Accounts may remain on your CR for 7 years plus 180 days from the DOFD. That doesn't (legally) change because it's transferred to a CA or reported as 'new'. Link to comment Share on other sites More sharing options...
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