Thread: Advise on 2 neg. TL's

1. An old gas bill, opened in 1996. I left that state in Summer, 1997. It may have taken a little while before it was "reporting" - I don't know. It's under $200. It's on my CR from the OC, not a CA. This seems easy to get rid of, but not sure the best way to do that.

2. An old cell phone bill, under $100. I have copies a CR from TU in 2004 that show this item as being "placed" 2001. I have another TU credit report in 2006 that doesn't list the item at all. Then, in spring, 2007, the item shows up again, but not with TU, with another CRA. It's with a bottom feeder CA. Every month since spring, it reports with a current date. It doesn't list a date opened (not on the online monitoring, anyway), but it lists the "reported" date as the current month, each month it's a fresher date.

Both of these happned in a state where I don't live anymore. I left the state in #1 in 1997. I left the state in #2 in 2003. Does that effect anything in these cases?

It's interesting how these 2 items popped up suddenly and at the same time - within a week of each other, and that it was about 2 weeks after I had an item removed from my CR but it was a bit messy - the CA wouldn't do it, but a goodwill to the CEO of the company did, and I think the CA wasn't happy and I got some backlash. the timing of 2 very old accounts suddenly being reported and that deletion are a bit too coincidental, but I could be mistaken about that - it does feel that way though.

Anyway, advise on how to get rid of those 2 items the easiest way?

Thank you!

1. An old gas bill, opened in 1996. I left that state in Summer, 1997. It may have taken a little while before it was "reporting" - I don't know. It's under $200. It's on my CR from the OC, not a CA. This seems easy to get rid of, but not sure the best way to do that.

Both of these happned in a state where I don't live anymore. I left the state in #1 in 1997

I would take no less than PFD. Its probably beyond SOL for collections depending on what state you were living in and/or live in now.

An old cell phone bill, under $100. I have copies a CR from TU in 2004 that show this item as being "placed" 2001. I have another TU credit report in 2006 that doesn't list the item at all. Then, in spring, 2007, the item shows up again, but not with TU, with another CRA. It's with a bottom feeder CA.

I left the state in #2 in 2003.

Start the DV process. Have you received any dunning letters yet from the new CA?

This may be pass the SOL for collections as well depending on what state you were living in and/or live in now.

Account #2 keeps puttin new dates on it every month. Is this a violation, and if so, should I challenge it that way? If it's out of SOL, and I challenge they are violating rules (not sure which ones though), then it could go away, right? Does moving out of state put a freeze on the date for SOL. I'm not sure how that works. But if I moved out of state, does the time stop adding on for SOL purposes, so that it always looks current and never out of SOL? I don't know if I got any letters from them or not - I tend to ignore things that look like junk mail, and a letter from any CA may look like that to me - they often don't use a name on the outside, just an address. I found that sometimes when I open them, it's junk mail, so I treat them all like junk mail, and rearely open them.

How do I find out more about SOL and freezing SOL? I don't know what "time barred" is, but is that something that applies here?

Thank you.

What date keeps changing?

If it's the DOLA, that's bad (unless you're making payments, then it's probably accurate).

If it's the Reported date, that's normal. That just says they sent in a record to the CRA saying, this is the current balance, etc. The balance can change without any activity on your part, for example, if they are adding interest.

^^^ The report date keeps changing, so I guess, from your above post, that it's not breaking any rules. (no, I have made no activity on this) Good to know.

Still hoping for SOL and freezing time (time barred???) I don't want to list the states here, but will consider in private. Generally, the old staes are in the NE, and I am now in the south.

Should I try to challenge because they are old? If so, should I state they are out of SOL? or should I just pay, and ask for a PFD? If I ask for a PFD, isn't that admitting the debt is mine, and they can say no plus have info from me that debt is mine, which gives them what they need to pursue hardcore?