An OC sold my cc debt to PRA. Supposedly the debt was charged off 05-31-1999, according to PRA. However my cr does not reflect this. according to my experian rpt it says DMB Status: Account charged off $3585 written off $3535 past due as of 10-2000 Date opened: 05-1998 type Revolving Rpt Since: 07-2000 high blanace 3585 Date of status 07-2000 Monthly PYMT 0 Recent Balance 353 as of 10/2000 last rpted 10-200 creditors statement: Purchased by another lender Account history - charge off asof 10-2000, 2-2000 to 9-2000 This debt was purchased by PRA Status collection account/Account charged off 3535 written off 3535 past due asof 01-2004 date opened 09-2000 reported since 10-2000 date of status 08/2002 lst reported 01/2004 recent balance 3535 as 01-2004 recent payment 50.00 ( I only made a payment in 2000 so is that considered recent?) account history collection as of 1-2004.12-2003-.10-2003.-8-2003-.7-2003-5-2003.4-2003.12-2002-.11-2002.9-2002-.8-2002.7-2002-. charge off as of 2-2002 to 5-2002-, 12-2001,9-2001-,8-2001-7-2001,6-2001-,4-201,-3-2001,2-2001,12-2000,10-2000 can someone please tell me what my options are deaing with PRA. To hopefully get this removed of my cr. Any help is appreciated . thanks
1. There is no way (that I know of) to look at an Evil Experian report and find out when the DOLA is. You will have to call Experian and find out when it is scheduled to fall off your report, and count back 7 years, to see if PRA reaged the account. 2. You will need to determine the SOL for your state, there's a good chance since it is 99 that they can't sue you and win. 3. I would go ahead and send DV to PRA. I have a much more recent CO with DMB that was sold to a different CA, and they can't validate. So I bet PRA can't either.
I am in TX the sol for open Accounts is 4 years, however this I got this cc while living in FL. The sol there is also 4years. Based on your reply I prompted to ask the dood is supposed to be the date of the first missed payment. I never made a payments soo...how can I calculate this date? I didn't think that the sol started from the charge off date? Does it?
It starts from the first time you became delinquent AND never caught up. So, since you never made a payment, I would say that once the first payment due became delq. that would be the DOLA.
