I have a repo from Nissan Motor in 1997 on all 3 reports, but TU is what I'm needing help with. They report 2 different account #'s and TL. EX and EQ report only one. Nissan Motor Reposession Verified: 4-97 Open: 5-96 Closed: 4-97 Balance: 15468 Nissan Motor Acceptance Profit & Loss Writeoff Verified: 12-02 Open: 5-96 Closed: 6-97 Balance: 7743 These results were from after my first round of disputing as not mine through TU to see if they would fall off from bieng so old. Procedural request returned standard TU response of addresses. Both Nissan addresses are the same. I never re-disputed these tradelines but I did others and on my next report from TU dated 3-18-03 I noticed these changes: NMAC Reposession Update: 4-97 Open: 5-96 Closed: 4-97 Bal: 15468 NMAC Profit & Loss Writeoff Update: 2-02 Open: 5-96 Closed: 2-02 Bal: 7743 They changed the closed date on my profit & Loss Writeoff to 2-02. Is this considered re-aging? I'm not sure what to do here. If this was a repo, shouldn't it be 1 tradeline anyway? I'm needing a little help here. My DOLA on my EQ report is 2-97 and my EX report says it should fall off 10-03. TU is usually what gets pulled around here so I'd like to get it off here asap. Thanks
From what I have read on the board, I sould say that it does qualify as re-aging. You have the proof that it was another, earlier date on previous reports. You cannot have two separate dates for a closed account, unless there has been some payment on the debt..and even that last comment might not fit the description of activity. Go fight it with the credit bureau with the proof that you have. In my state, that constitutes a gross error in reporting and according to state law, the have to remove the trade-line.
