bk dola

Discussion in 'Credit Talk' started by jenz, Jan 21, 2004.

  1. jenz

    jenz Well-Known Member

    going crazy here...

    dola 8/98. bk 12/98. what is the seven years from 8/98 or 12/98?

    seems like such a simple question....




    all work and no play makes jenz not able to read creditnet.
     
  2. sassyinaz

    sassyinaz Well-Known Member

    Neither jenz, it is calculated from the commencement of delinquency date -- first time you were late and never current again.

    Could be well before your BK filing date -- BK filing date is the latest it should be.

    Sassy
     
  3. NiceGuy

    NiceGuy Well-Known Member

    Couldn't have said it better!

    Before my BK and all related accts fell off, I can tell you that my BK13 file date was 11/96. Most accounts were long past due a almost a full year prior to my filing date.

    You guessed it...almost all my accounts were gone several months before the filing finally dropped in 10/03. They were gone 7 yrs from their first delinquency date and dropped off like clockwork once that condition was met.
     
  4. jenz

    jenz Well-Known Member

    what do you do if the DOLA listed is the bk date - just dispute it?

    what if you don't know the date, is that something the company just gives up?
     
  5. lbrown59

    lbrown59 Well-Known Member

    Yes

    That's is why you demand complete proof of the account including full itemization.
     
  6. Butch

    Butch Well-Known Member

    Assuming you're talking about a successfully discharged bk13 Jenz. Bk7's are 10 years.

    Under no circumstances can a drop off date on a TL be after the drop off of the BK. Usually well before that because people default prior to filing.



    Have you tried attacking the BK itself?

    ???
     
  7. jenz

    jenz Well-Known Member

    background on question (not my account so bear with me on some of the details)

    *old utility bill (i believe actual DOLA is 1/98)
    *placed w/collection 3/98
    *included in bankruptcy 12/98 CH7
    *lists DOLA as 12/98
    *bankruptcy isn't even on the report
    *experian claims to have verified but company says they haven't
    *requested validation from both CA and OC 12/03
    *refuses to validate or remove
    *worth suing? this is the only negative on the report and is hurting score because of the bk reference
     

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