ok. So once upon a time I had a debt with Dell (It had to be in 2004 or so that I bought this laptop). I stopped paying because I was young and silly and it came back to get me. I didn't pay as agreed for who knows why but now I need help and understanding. Dell is no longer on my CR but now i see: MIDLAND FUNDING Unknown 800-825-8131 More Account Details Account Name MIDLAND FUNDING No Data Returned For This Bureau No Data Returned For This Bureau Account # 854677XXXX Account Type Debt Purchase Balance Date Opened 1/1/2012 There is no other info so I called Experian (as they are the ONLY CRA that has this on my file) and they somehow see things I cant such as: Midland being linked to citi bank DOFD: 7/07 The original may have been removed for other reasons or the account was never reported to them. I am not sure why the Date opened says 1/12 if this debt is very old. How can I get it to disappear? do I have to wait 7 more yrs? isnt this a zombie debt? what to do? Also Judgements, how long does it take to go away? is it 7 yrs or 10+? I have heard many different answers. Thanks in advance!
Date Opened is simply the date they opened the account, the DoFD can pre-date that date. 7 years is from the DoFD, so if that was 7/2007, it would be 7/2014. I personally would ask for validation, and dispute, if it is past your states SOL, I would take it from there, some send a SOL letter telling them to never communicate with them again.
tHANKS!!!! Also Judgments, how long does it take to go away? is it 7 yrs or 10+? I have heard many different answers.
JSki - it varies by state, but based on the info you give JAM is correct in that at minimum it looks like it wouldn't clear until at least 2014. Also, agreed with JAM; look up SOL, send a DV letter and dispute. Hope this helps.
