pursuit of happiness

Discussion in 'Credit Talk' started by samsun22, Jun 16, 2014.

  1. samsun22

    samsun22 Member

    hello guys,

    i have been on this forum for a while, and decided im gonna start working on my mess.

    here is my story... icve purchased 3 individual cr from the big 3;

    and based on it here is my list and their respective details

    amex status-charge off ,
    Date of First Delinquency: 12/2007
    date falling off according to exp jun 2014

    asset for another amex status collection
    Date of First Delinquency: 06/2008
    date falling off according to exp mar 2015

    cap1 charged off
    Date of First Delinquency: 04/2008
    date falling off according to exp feb 2015

    LVNV FUNDING, LLC collection
    Date of First Delinquency: 11/2007
    date falling off according to exp aug 2014

    LVNV FUNDING, LLC collection
    Date of First Delinquency:
    09/2007
    date falling off according to exp jun 2014



    MIDLAND FUNDING collection
    Date of First Delinquency: 08/2008
    date falling off according to exp may 2015

    MIDLAND FUNDING collection
    Date of First Delinquency:
    07/2008
    date falling off according to exp Apr 2015

    i am around the drop off date for amex and couple lvnv ... should i dispute this with cra ??

    also the accs were opened in nv where sol is 4 years, also the ones midland is reporting, the oc is not reporting it.... should i send them dv...


    thanks a lot
     
  2. mindcrime

    mindcrime Well-Known Member

    3 out of 7 are dropping within a couple of weeks to a couple of months. You can probably dispute these all as obsolete.

    Considering the DOFD's and that you're past the SOL, a DVL might just get the others (except C1) to just go away.



    I would start with the easiest first (the obsolete accounts), as well as cleaning up any old addresses listed on your reports.
     
  3. MrGreen

    MrGreen Well-Known Member

    mc, I know you know more about this than I; that's why I'd like to ask you a question:

    Isn't it somewhat risky to fuss with these items just before they die a natural death? Isn't it possible that looking into some of these (or doing so non expertly perhaps) could cause the clock to restart?

    Thanks in advance. I always appreciate your posts, thanks.
     

Share This Page