Here are the facts: Due to a life threatening illness, 3 month hospitalization, near death and my wife losing her job at the same time, we stopped paying all bills in April 1997. Filed BK13 in October 1998. I have managed to dispute and/or sue all derogs off my CRA files except for Discover. The month of default was April 1997. Take that and add 7 years means (IMHO) the debt should come off my CRA file at the end of April 2004. It has not happened. In January 2004 I sent letters to TU detailing why this TL should come off after April 2004. I got no response. On May 29, 2004 I faxed a letter to TU advising them that this TL would become ancient under FCRA on April 30, 2004. I got no response. Today I verified that it is still there. Should I sue?
Their CSR's can't see my file because it's in "special handling" (may have something to do with the fact that I am already suing them over one violation of FCRA). CSR's will send a message to Special Handling, but Special Handling won't return any calls, so I don't have a number to call. The only way to get their attention it seems is with a Summons.
Well, I was just about to sue and figured I'd try one more time. On TU's web site the only phone number they post to HQ is to Public Relations. I figured "hey, I'm the public and they ain't relating to me very well". I called and got transferred to someone who just removed it - right then and there. I got his name and direct phone number. Anyone else having problems with TU?
What about the 180 days after delinquency for the starting of the reporting period? I've seen a lot of discussion in the past about this. Is it 7 years + 180 days or just 7 years?
