jcreek99

Zombie Debt reporting

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I have a CC well past the SOL. A JDB has now listed it on my credit report even though their DV back to me showed it was past SOL. Is there a way to stop this reporting or do I have to live with it each time the debt gets sold?

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Is there a way to stop this reporting or do I have to live with it each time the debt gets sold?

Unfortunately, you have to live with it.....Small inconvenience for not paying them off. I just sent a JDB a FOAD letter and 1-2 punched them. It was recently deleted after 4yrs of "NOT" trying to collect, but reporting it.

You will have to be pro-active in monitoring your report just to see if any more are sold.

Good Luck!

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I have a CC well past the SOL. A JDB has now listed it on my credit report even though their DV back to me showed it was past SOL.

Define "past SOL" - the SOL for suing or for reporting?

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Past the SOL for suing. Reporting has not passed yet

Ah, I see. Then you do have to live with it for several more years yet, unless you're willing to get aggressive with them.

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I have a CC well past the SOL. A JDB has now listed it on my credit report even though their DV back to me showed it was past SOL. Is there a way to stop this reporting or do I have to live with it each time the debt gets sold?

you can try disputing it but it sounds like you already did. If you need it off then you can do PFD.

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If the CRAs after conducting their investigation continue to report this alleged debt you might want to sue each of the CRAs which report the debt.

Your research of the local court database will give you all the information you need to file and win this kind of action. xdancex

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If the CRAs after conducting their investigation continue to report this alleged debt you might want to sue each of the CRAs which report the debt.

Your research of the local court database will give you all the information you need to file and win this kind of action. xdancex

nothing that the OP has presented is actionable. SOL is different from the amount of time they can report

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