Someone please explain this to me: 1) Had a account, deafulted went to collection agency #1, they sold it to colelction agency #2, now both are reporting account on the credit. The original creditor is also reporting!!!.. what do i do? How do i get screwed(hehehe) thrice for the same account. What can i do?.... 2) Had something deleted from equifax, but it still shows on ex and TU. If a dispute tu and ex., do i run the risk of equifax somehow getting an update from the creditor? can i use my equifax deletion as an advantage in getting tu and ex to delet as well? any suggestions. 3) Where do i find the statute of limitation for each state, i.e. i want to know for how long an item maybe reported on your CR?....i think it vaires by state..i am in minnesota. Thanks for help people..appreciate it.
Send #2 a validation demand and when he don't validate the debt force him to take it off. Then send a validation demand to #1 and when he don't validate then make him take it off too. Then go after the OC and make him take it off. Before you know it they will probably sell it to half a dozen more. Probably Not likely. 7 years and 6 months after you let the account go delinquent by failing to make a payment. Nope! Same 7 years 6 months for all 50 states, the territorial and insular possessions of the United States and probably the new state of Iraq if there is anything left after they keep missing Saddam Houssein while he jumps from hidey hole to hidey hole. (LOL)
THANKS FOR THE REPLY. let me calrify something: CA#1 is reporting as a chargeoff. the #2 is reporting as 120+past due, shows the date of account as 1998, original date as 1996. i guess my questions should have been can they do this???...its just 1 account!!!! Also, my equifax is 660, tu and ex probably 500+, any suggestions on obtaining ana uto loan, have acredit union account, they didnt give me a visa debit card in 2001 citing poor credit. should i try them first?.and then goto a "bad credit" dealer? thanks,
Yes, they can do that.[/quoute]Also, my equifax is 660, tu and ex probably 500+, any suggestions on obtaining an auto loan, have a credit union account, they didnt give me a visa debit card in 2001 citing poor credit. should i try them first?.[/quote]Maybe. You really shouldn't have to go to a tote-the-note lot with a 660 even if that's the only one you have.
guess my questions should have been can they do this???...its just 1 account!!!! screwed ============== It's not the number of accounts. It's how many people are reporting it. If a person has 10 people reporting on 1 account he is a worse dead beat than one who has 8 baddies listed on his report. The END ************************* LB 59
Just so you know, I am in MN too and trying for an auto loan. What I have discovered so far is most Credit Unions and also dealerships (Denny Hecker) pull Equifax. I've just been calling them up and asking them over the phone. Just called the Electrus Federal Credit Union (my DH is an Electrician) and they said strictly EQ. So since your EQ score is so good I don't think you'll have any trouble.
Hi toothfairy. Which other dealerships did you call..did you ask them awha kind of score they were looking for,..also how long on the Job requirment. I just started a new job..woudl thatc ount against me? thanks
