I received a Credit Alert from Equifax today and when I pulled my report there is a new collection account showing from Asset Acceptance and my score had dropped 11 points! It shows last activity as 12/1996 for a Lerner Account. Why is this just showing up now? It hasn't been on any of my reports. What do I do? I have not been contacted by them. Should I go ahead a dispute it? I tried to dispute online and I got an error message that said I must dispute by telephone or snail mail. Thanks for your help!
Sorry I can't help, but: This happened to me also. On two collection accounts that had been deleted last year. There now back after a full year of reamaining off my report. Plus a new derog from a gas card, never before appearing, put in a bk7 in '95. Now showing LAD as '96. I'd like to know what's going on too. If there is anything we can do about it? Becky
I'm having the same problem with a Bof A acct charged off in 1993. I'm sending out a fairly standard validation letter with a request for the original signed contract. I believe this must be provided and I know they don't have it. I will also send a standard dispute to transunion. If that works, great. If not, I'm going to turn up the heat with an intent to sue citing the FCRA sections concerning aging. (Still looking for the applicable sections). If anyone out there has a draft of a letter outlining re-aging please pass it along for us.
I just pulled Experian and the account is being newly reported there also. Talk about 1 step forward and 2 steps back! Everytime I get one thing removed I have opened a can of worms on something else!
