I forgot to tell you that you are right, there are no old accounts from the Bk showing, only the Bk itself. I only have that plus six other accounts three are collections from medical bills, pretty small from $86-$550. And the three CC's. Cap 1 is after Bk, I accuired it in 1998 I beleive. Thanks for your quick replies, it makes me feel better talking this out with someone with experience. My credit reports are as new as yesterday, I got them online. They didn't show where that attorney is reporting the Cap 1 debt. It showed the OC reporting it, though.
What state are you in? And what is the date of last activity on the account? The med collections - I would start sending out validation letters on them as well. When you get a chance do a search on "HIPPA". Alot of long discussions on it, and you will probably need to be familiar with it, as it used to help get this stuff off your reports. I honestly haven't paid much attention to it, because I don't happen to have any collections that would apply to it. I know how it is with young ones, but once you get started, and get further in the process, it gets easier - and faster.
What did you think about that consumer statement on my TU report? I never did send it in, and don't know why it's there, unless I did a dispute a few years back. The DOLA of the Cap 1 account is 03/2002 on EQ, TU shows DOLA as 03/2003 (updated as charge off), and EX shows 04/2003 (updated as charge off also). Are these the dates that starts the SOL of when I could be sued for the debt? Thanks!
The dates that start the SOL is when the debt became delinquent and was never brought back current, as I understand it. I'm sure someone else will correct me if this is wrong. The CRAs often show the last date that it was reported as Date of Last Activity. This is not right. I agree with jlynn, get the CapOne taken care of first, since they are actively collecting. Send a validation letter to the attorney. When you get to the bankruptcy, look carefully at everything. For example, do they have the amounts correct? One person got a BK removed because they listed the liabilities as zero, and it was disputed as "never filed a BK with zero liabilities." After enough time has passed, the courts may not go to the trouble of pulling the records. But I think you need to go after the current stuff first. HOWEVER, I've never filed a bankruptcy and I've never had any collections or charge-offs, other than ones that showed on my husband's report that truly weren't his. So, if someone here has experience with this, I defer to them. And welcome to the board. Sometimes it takes a while to get answers. For example, I may look at something like this but not respond because it's not really my area of expertise. Good luck.
Thanks for you reply hedwig, I am going to send that attorney a validation letter by CRRR within a few days, when I get the green card back, do I send the CRA a copy of that same letter modified to them, or is there another letter that CRAs get to dispute what is on the CR? Thanks again for all of your time to answer these questions.
Ok. The CA is not reporting. You "might" have a chance to get the Cap One chargeoff deleted, but its a crap shoot, and they generally stick like glue. You aren't under the time frame of "when receive green card back..." That would apply when the CA that you are sending the validation letter to is reporting to the CRAs. I would leave Cap One alone on my credit reports right now. Just send out the validation to the attorney (who by the way is considered a debt collector - don't let them tell you different), and let us know if/when he replies. The statement...well I'm not sure about that. If you didn't do it, maybe somebody else at some point had a problem with your stuff being on their CR, so they placed that on there. Since you are getting your reports, doesn't sound like a fraud alert. I don't think I would worry about that right now. The DOLA sounds like it is 3/2002 EQ is usually the easiest to figure it out on. EX will have something that says "scheduled to remain on file until XX/200X" TU is anybody's guess LOL! This means, if the attorney is aggressive, and validates the debt, you are going to have to figure out how to pay it, or risk getting sued. Don't get scared yet though! DH has a Cap One CO from about your same time that went to CA, I disputed and haven't heard back (6 months ago).
Did your DH Cap 1 CO go to an Attorney as well. I beleive this may be a real attorney, because I found their website online and looked and they had Cap 1 listed as one of their clients. And they brag on their ability to collect by getting judgements, garnishinments etc. Which really had me worried the first few days, about going to court. Then I found this post and thought I might can delay it or even get out of it......we'll see what happens. By the way I am in AR, and I will take your advice and not mess with the Cap 1 on the CR yet. Thanks. Can I add you to my buddy list?
Hedwig, I posted a new thread, because I discoverd on my TU CR they are reporting my BK as $0 liabilities. I asked in my new thread if this is cause for deletion?
I'll look for the new thread--but it's worth a try. Just dispute as "I never filed a bankruptcy with 0 liabilities."
Newbie getting started need advice Iamworried | 7 posts since Jun 2003 216.152.44.2 | 06.23.2003 @ 17:41 <Bump>
Sorry, I just caught this post. Don't let the word "Attorney" freak you out just yet. Attorneys are still considered 3rd party debt collectors and have to play by the same rules as Sleazeball Collections, Inc. No, it hasn't gone to an attorney one validation letter, and not another peep from them
