dansocon Posted February 2, 2009 Report Share Posted February 2, 2009 Hi,I have pulled all of my wife's credit reports one year ago. I pulled them again this weekend and there is a new item on TU. It is "payment after chargeoff to collection agency" from 11/2002.She doesn't remember it. It was $166. How can that just pop up on the report after all these years?Is there anything I can do about it? Link to comment Share on other sites More sharing options...
swirlgirl Posted February 2, 2009 Report Share Posted February 2, 2009 Can it pop up? Yes, if a CA starts to report it.The question is can it stay. If the account originally went deliquent in 2002 or before, you can dispute with the CRAs as "obsolete." Link to comment Share on other sites More sharing options...
dansocon Posted February 2, 2009 Author Report Share Posted February 2, 2009 Thanks. I would have thought the CA should have notified us that they were reporting a negative item. It says it was paid 11/2002, so it isn't quite obsolete. But since we don't even know what it was.....I guess it can be disputed for another reason. Link to comment Share on other sites More sharing options...
swirlgirl Posted February 2, 2009 Report Share Posted February 2, 2009 Thanks. I would have thought the CA should have notified us that they were reporting a negative item. It says it was paid 11/2002, so it isn't quite obsolete. But since we don't even know what it was.....I guess it can be disputed for another reason.I'm assuming it was paid charge off or a paid collection account. The payment date doesn't matter. What matter is the date of first deliquency. I would assume the account first went deliquent in 2001 and then paid in 2002. I would try "obsolote" first to see what happens. Link to comment Share on other sites More sharing options...
dansocon Posted February 2, 2009 Author Report Share Posted February 2, 2009 That's a good point. I have no idea when the first delinquency might have been. Actually, I disputed one last year with TU without giving any reason other than "I detected an error in this account." I got a letter back from TU that said "Verification documents not available" and they deleted it.Guess you don't always have to provide a specific reason for the dispute. Link to comment Share on other sites More sharing options...
Recommended Posts