I disputed this about a month ago and it came back verified. Could someone explain why its on my report till 2/2009?? did they just take the 2/2002 verify date and add seven years??? FIRST PREMIER BANK Address: 601 S MINNESOTA AVE SIOUX FALLS, SD 57104 Account Number: 4610078500198... Status: Closed/Current, was a charge off. $409 written off. Status Details: This account is scheduled to continue on record until 2-2009. This item was verified and updated on 2-2002. Date Opened: 11/1997 Type: Revolving Reported Since: 11/1997 Terms: NA Date of Status: 04/2001 Monthly Payment: $0 Last Reported: 02/2002 Responsibility: Individual Credit Limit/Original Amount: $250 High Balance: $409 Recent Balance: $0 as of 02/2002 Recent Payment: $0 Your statement : Account closed at consumer's request Creditor's statement: Purchased by another lender. Account History: Charge Off as of 3-2001, 2-2001, 2-1999 to 1-2001 90 days as of 1-1999 60 days as of 12-1998 30 days as of 11-1998
It appears to be an error. Like everything else they report. It should be 2/2006??.. maybe my math is wrong.
Who do i call or send letter to to get this taken care of. And should i always send a procedure letter on accounts that get verified???
I would dispute it with the CRA, what was the date before? Have an old report? Tell them it has been reaged. Sending a procedure letter sounds good to me.
