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Re: Question: Charge Offs and Collections


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Posted by WHY CHAT (12.77.147.231) on January 20, 2003 at 09:25:02:

In Reply to: Re: Question: Charge Offs and Collections posted by wvman on January 20, 2003 at 09:13:54:

If your last payment to the ORIGINAL creditors was more than 7 years ago, you can have them ALL removed by sending in a dispute to the CRAs .

List the account #'s and reporting OC & CA's on each one, make sure you CLEARLY state which are the SAME accounts being double reported. State that the accounts are OBSOLETE and that the DOLA is incorrect.

Make sure you send this in CRRR, keep a copy, if they are NOT removed within the 30 days. Send a follow up with a copy of a printout from your on-line FTC and State AG's office complaint.

Do not deal with ANY of the CAs or OCs in ANY WAY unless the CRAs state that an account has been verified.At that point you can send a validation to the offending CA, use the SOL letter from my website for that.


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