BV80 Posted June 12, 2010 Report Share Posted June 12, 2010 My husband and I have just started the process of trying to repair our CRs. A couple of months ago, my husband found a TL on his CR that he didn't recognize. It was a collection account that had been opened in 2006. We sent a letter to the company CMRRR, disputed the account, and received a reply last week. It's an old Providian account that the CA said they were given in 2005, and that it was eventually charged off. Providian doesn't have a TL on his CR, and he honestly can't remember the last time he used the card or paid on the account. He doesn't remember ever getting anything from the CA either. The info they sent us was one page that included the original balance, the 1st due date (11/04) and the next due date (4/05). They denied there was anything incorrect about the TL, and wrote that if we had further questions, we should contact another CA who now has the account. We've never heard from the new agency, nor do they have a TL on the CR. How should I go about correcting this? Should I send the 1st CA another letter requesting they prove that they own it? I don't want to contact the 2nd CA because I don't want to give them any ideas about putting a TR on the CR in case they now own the account. If the 1st CA no longer owns it, can they keep their TL on the CR?Thank you. Link to comment Share on other sites More sharing options...
bbgughj Posted June 12, 2010 Report Share Posted June 12, 2010 Did your husband dispute the Tl with the CRA first? Link to comment Share on other sites More sharing options...
BV80 Posted June 12, 2010 Author Report Share Posted June 12, 2010 No he didn't. He wanted to find out who the account was with because the CA didn't include that on the CR. Sorry, I forgot to mention that before. Link to comment Share on other sites More sharing options...
redskinfan Posted June 12, 2010 Report Share Posted June 12, 2010 Well if the account has been sold to another CA the first CA that has the TL reported on on credit reports are supposed to delete their tradeline. Send a copy of the letter they sent you to the 3 CRA's and request a deletion. Link to comment Share on other sites More sharing options...
Jauwlo Posted June 12, 2010 Report Share Posted June 12, 2010 You can also send a cease and desist letter to the 2nd CA so your husband won't have to worry about them reporting on his credit report. Doing that will just make the CA sell it to another CA. Just keep sending that letter until the CA stop selling the debt and just lets it go. Has the debt passed your state's SOL yet. Link to comment Share on other sites More sharing options...
BV80 Posted June 13, 2010 Author Report Share Posted June 13, 2010 The SOL has most definitely passed. Thank you everyone for your help. It's greatly appreciated. Link to comment Share on other sites More sharing options...
bbgughj Posted June 13, 2010 Report Share Posted June 13, 2010 http://www.creditinfocenter.com/repair/credit-repair-time.shtml Link to comment Share on other sites More sharing options...
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