First, thanks for all the help on dealing with Arrow Financial, they are in serious need of a facelift! I pulled fresh reports because of this and guess what, seems Bank of America is playing games with me! Need any advice I can get on this one: I have an account showing on TU (only on TU) from Bank of America for $11,500. It was reported 9/1/95 so it should drop off this year, right? Here's the info from the report I pulled from Truecredit on 12/20/2001: Bank of Amercia Type: Automobile Condition: Derogatory Responsibility: Individual Pay Status: Collection/Chargeoff Date opened: 02/01/1994 Date reported: 09/01/1995 Balance and limit: $1983 out of $11500 Payment and terms: $261 for 060 months High balance: $11532 Past Due: $1983 Remarks: Charged off as bad debt Profit and loss write-off Here's what has changed on the report I just pulled from Truecredit on 02/25/2002 (only what's changed is listed): Date reported: 01/01/2002 Balance and limit: $188 out of $11500 Past due: $188 Remarks: Payment after charge off/collection Profit and loss write-off This smells of reaging to me, I have not sent them a payment since the write-off or contacted Bank of America, only my dispute with TU! Should I contact TU and complain or what? This makes me as mad as Arrow Financial and their FCRA violating selves. TIA!
I would dispute it with your old report... BUT, I would wait until 9/02 to do this so you can claim it is an out-dated account (and they will not be knocking down your door trying to collect in the mean time). If they verify the account in September, then you have a FCRA case. It looks like they are trying to say you have paid on the account, have you? Either way, it shouldn't matter b/c the date of expiration is dated from the charge-off for accounts that were written off before 1998. at least that is my take...
Nope, haven't made a single payment since it went delinquent. I'll just wait until then and then argue with them over it.
