I've been working on a TL with wfn structure. I disputed it as not mine a year ago. Since then it has been re-aged on two reports. When I first disputed It is a charge off but yet the report me as paying every 4 months or so and then giving me 30,60,90,120 day lates. One report shows the TL closed 2 months ago. TU: Last year ago showed closed 4/1998 due $116 This year shows payments for three months in 02, "Closed: 3/05" due $116 "Estimated date of removal 2/2012" Exp: Last year showed "Charge off as of 6-2001 to 10-2003 180 days as of 7-99 to 5-01" due $116 This year Received a crappy online report. Shoes $116 due "Balance date: 3/05 EQ: Last year DOLA 11/98 due $116 This year DOLA 11/98 date of last payment 12/98 due $116. 81 month history shows paid as agreed from 99-3/3, then 180 late for next 6 months, then 2 payments, then late for 16 months. I received a letter from them when I disputed a year ago: "As of December 29, 2003, the balance on your account is $116.20. The account was written off as an uncollectible debt in June, 1999. At that point, monthly billing statements ceased to be printed or mailed to you. Due to this, I am unable to send you a statement. You may, however, send payment to the address shown below. Please write your account number on the check or money order." I moved 6 months ago and found some old papers. I just went through them and found two old bills from this OC. I wasn't aware of owing them any money, maybe I do. At the time I was putting myself through college (no parental help) and work was slow. I hurt my credit. I barely had money for food. I thought structure was paid off. These bills make me think the DOLA is wrong as well as the amount. Here's basically what they say: Date 10/18/98, previous balance $66.87, new balance $77.95. I was assessed a late fee of $10. "your account is three months past due" Date 11/17/98, previous balance $77.95, $10 late charge, current balance 89.05. Please tell me if I'm understanding this correctly. If on 10/18/98 I was three months past due. My date of last payment must have been 7/98 not 12/98? I can't guarantee I didn't make a payment on 12/98 but don't think I did. I can't see how my total would be $116. What should I do!! I need to get this off of my report ASAP. Do I dispute with the OC or CRA, what do I say?
