NOT TRUE

Posted by JKelly (68.163.2.72) on August 07, 2004 at 11:55:09:

In Reply to: Re: Credit Report posted by Sarah on August 07, 2004 at 11:31:04:

First of all, you need to OPT OUT.

You say that you forgot to include them in Bk two years ago, which would mean that these are old accounts. You can NEVER pay the Original Creditor now.

By now these two accounts have been sold and resold for pennies on the dollar to CA slime.

Why Chat said:

DO NOT pay any old accounts past SOL, it will HURT your credit as they will reappear on your credit report with a NEW date as "settled collection account" AND the "unsettled" balance will REAPPEAR with another CA as a NEW collection account.

FIRST OPT OUT
Wait three weeks for the OPT OUT to take effect.
Call each of the CRA's (get an INDIVIDUAL credit report from each, snail mail) Tell them that the address information on your reports is incorrect, that you never lived at ----- give them the address of any and all of your old addresses.
Wait three weeks, check on line to make sure your old addresses were deleted.
Dispute on line as "not mine" any and all of your old accounts, judgments etc.
Whatver is left over on your reports, redispute by mail, stating "This is not my account, I never had an account for this amount with this creditor on this date".
You should have a clear report in 3 months.

I have one last thought. Are you absolutely SURE, that you did not include these two accounts in Bk, or are they just being reported wrong?

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