cj1capp Posted April 6, 2009 Report Share Posted April 6, 2009 This account I had DV and Havent made a payment on in over 4 years today this shows up on my cr are they saying I made a payment ? American Gen FinAccount number: XXXXXXXXXXXXAccount information disputed by consumer The account status has changed to "Payment after charge off/collection " from "Charged off as bad debt"Other Account American Gen Fin Status as of [?]Aug, 2003Date opened [?]Feb, 2003Date of last activity [?]Aug, 2003Date paid out [?]Oct, 2007Date closed [?]Aug, 2003Account number [?]XXXXXXXXXXXXLoan type [?]SecuredCredit limit [?]Not ReportedLargest past balance [?]$0Terms [?]80 MonthlyAccount Type [?]Installment AccountAccount holder [?]Individual AccountScheduled payment amount [?]$392Descriptions [?]• Account information disputed by consumer Link to comment Share on other sites More sharing options...
cj1capp Posted April 6, 2009 Author Report Share Posted April 6, 2009 Spoke with people at AGF and credit one they booth say I haven’t made a payment in over 4 years but some how it was just reported that I just made one ,I haven’t. the balance now went from 0 to over 8,000 what do I do Credit one wants me to fax them a copy of my credit report to verify what I say should I do this? Link to comment Share on other sites More sharing options...
jetscarbie Posted April 7, 2009 Report Share Posted April 7, 2009 I would be a little leary of sending a CA my credit report. They can pull it anytime they want to...why make you send it? I would dispute the trade line first with the CRA's and see what happens. When you dispute it...the CRA's will ask AGF to verify. Link to comment Share on other sites More sharing options...
cj1capp Posted April 8, 2009 Author Report Share Posted April 8, 2009 I would be a little leary of sending a CA my credit report. They can pull it anytime they want to...why make you send it? I would dispute the trade line first with the CRA's and see what happens. When you dispute it...the CRA's will ask AGF to verify.thank you Link to comment Share on other sites More sharing options...
cjtx Posted April 8, 2009 Report Share Posted April 8, 2009 The account status has changed to "Payment after charge off/collection " from "Charged off as bad debt"This is kind of misleading, but I've seen it before to indicate that they sold the account, so as far as they are concerned, they got paid after charge off.The balance must be 0 and the date of last activity should have stayed the same as it was before they sold it. Link to comment Share on other sites More sharing options...
cj1capp Posted April 8, 2009 Author Report Share Posted April 8, 2009 This is kind of misleading, but I've seen it before to indicate that they sold the account, so as far as they are concerned, they got paid after charge off.The balance must be 0 and the date of last activity should have stayed the same as it was before they sold it.I think you are correct mu next question is i just got a certified letter and its from crditone i cant get the letter till friday due to work just woundering what the letter most likley is why would they send me a certified letter Im thinking summons I bet i diont sleep for the next couple of days. Link to comment Share on other sites More sharing options...
jetscarbie Posted April 8, 2009 Report Share Posted April 8, 2009 You could always check your local courthouse (sometimes online) and see if any suit has been filed against you. Link to comment Share on other sites More sharing options...
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