I am trying to repair both mine and hubbys reports so on a Collection account that I was just an authorized user I disputed WELL they sent a letter to us about 3 days after I sent in my online dispute. Okay this is an old account from Spiegal I am trying to locate dates ..... Anyhow now on my hubby's TU report the CA Midland Credit says it was placed 6/2002 this is NOT TRUE ...it is several years old How do I dispute this??? I want to do it online if at all possible....maybe select other and tell them this is inaccurate info???
Do you have another credit report with a different date - If you have this, you can then complain to the CRA and the collection agency. Chances are (depending on the tone of your letters) they will probably delete the whole trade line. -Sal
This account is in Collections...just found the dates from Experian report. On Experian it is listed as FCNB/SPIEGL/EBAUR/NW Account History: Charge Off as of 10-1997 180 days as of 10-1997, 9-1997 150 days as of 8-1997 120 days as of 7-1997 90 days as of 6-1997 60 days as of 5-1997 30 days as of 4-1997, 1997, 7-1996, 3-1996 and listed as Collection MIDLAND CREDIT MGMT Original Creditor: FCNB/SPIEGEL Status: Collection account. $795 past due as of 8-2002. Account History: Collection as of 8-2002, 7-2002, 5-1997 And they are reporting it on TU as FCNB Status 10/97 Charged off as bad debt AND as collection Midland Credit FCNB Spiegal Updated 7/2002 Placed 6/2002 Status as of 7/2002 Collection account Any ideas how to dispute on TU that it was not just placed in 6/2002??
Ok...I think I now understand. I too am still confused about the reaging thing...but wouldn't it be accurate if Midland CA is reporting it as placed in june since that is maybe when they acquired the debt? However, wouldn't the DOLA have to be the date of last delinquency? Isn't the DOLA different that the date placed?
I don't believe that it is showing as reaged. Placed there refers to when that CA placed the account information on the report, not your DOLA.
So even though it's a separate entry and showing placed on 6/2002 they will see it as the same account? The earliest history date is 1997 One more question...how do you all dispute paid/charged off accounts? By the amount? Since I did pay Or what about Paid in Settlement? Thanks so much! I have so so much to learn.
