I have a few older TL of PAID collections they are as follows: BellSouth collected by Adams & Whiteaker (law firm if I remember correctly) from 1999 TCI Cable of Alabama (not even in business anymore now AT&T) collected by Holloway CR Bureau date reported 1997 Cellular One collected by Cellular One reported 1997. All of these are ONLY reporting on Equifax, it seems all of my CA's love Equifax. Since it is only reporting on one CRA and I don't really remember the details of these accounts since it's been so long ago am I better off with Nutcase letter then Dancerat's letter? I can't really say for sure that there is inaccurate reporting on one CRA compared to another, nor am I really sure if the TL's are accurate or not. Does it really matter that I know this or not as long as they can't look at the CR? Any advise? Also, it seems that the date of reporting is almost a year after the date assigned to CA. I know I paid soon after it was turned over so is the 7 year time limit start from date assigned or date reported? Thanks for all the help, this board is so awesome and has helped us feel empowered about our credit and getting it on the right track for the first time ever!
Neither. The 7 year reporting period starts from the date of last activity, which would be 30 days after your first missed payment that lead to the charge off.
Neither. The 7 year reporting period starts from the date of last activity, which would be 30 days after your first missed payment that lead to the charge off. mom2mandm =================== What date did this happen on your account(s) The 7 years might be up by now. The END ************************* LB 59
If it's paid off, then they can't pull your report - so you never want to tell them where they are "inaccurately reporting". That's the beauty of a paid collection... are they reporting it as disputed? Did you write and tell them it was disputed?
