Hi everyone. I've been searching this wonderful board and haven't found much on dealing with a transferred/sold account. I'm hoping to get some opinions on the best plan of attack on this account. I don't believe the account is being reported accurately. I disputed it back in 2007 and the CA verified it. This is how the account appears today. Status: Discharged through Bankruptcy Chapter 7/Transferred,closed. Status Details: This account is scheduled to continue on record until Jul 2013. This item was verified and updated on May 2007. Date Opened: 04/2001 Date of Status: 10/2006 Reported Since: 04/2001 Last Reported Date: 07/2006 Type: Revolving Terms: N/A Monthly Payment: $0 Responsibility: Individual Credit Limit: N/A High Balance: N/A Recent Balance: $0 Recent Payment: $0 Creditor's Statement: Purchased by another lender. Account History: Debt included in Chapter 7 Bankruptcy on Oct 31, 2006 I pulled an old credit report from 2006 and found the date the late payments started that led to the bk were Aug 2003. They are reporting the date of the bk was filed 07/06 instead of the date of the first late payment that led to the bk. Should I sent another validation letter disputing the dates or how would be the best way to attack this? This account should be falling off in 08/2010 but because the dates are not reported correctly it's showing it won't fall off until 2013. Ugg!
