Takin advantage.

Discussion in 'Credit Talk' started by timjcathom, Sep 24, 2001.

  1. timjcathom

    timjcathom Well-Known Member

    Charge Off as of 5-2001 to 8-2001, 5-2001, 4-2001, 11-2000 to 3-2001, 9-2000, 7-2000, 11-1999 to 6-2000, 11-1999 90 days as of 8-1999

    Doesn't this appear to be an attempt to destroy someone's credit. By the way, this is a collection account.
  2. Erica

    Erica Well-Known Member

    I have that too! As a matter of fact, I have it more than once.

    Chargeoff as of 3/1998 to 6/1998
    180 Days as of 2/1998
    150 Days as of 1/1998
    120 Days as of 12/1997
    90 Days as of 11/1997
    60 Days as of 10/1997, 2/1995
    30 Days as of 9/1997, 1/1995

    Chargeoff as of 11/1997, 11/1997
    Reposession as of 11/1997, 10/1997, 3/1997
    60 Days as of 9/1997, 1/1997, 12/1996
    30 Days as of 8/1997, 9/1996, 8/1996

    Which is it? What date do I go by? In the 1st example, is the DoLA 9/1997 or 3/1998 or 6/1998?
    In the 2nd example is the DoLA 8/1997 or 11/1997?
  3. timjcathom

    timjcathom Well-Known Member

    I think it is very abusive. I can't believe they are aloud to get away with it. In my case I have two accounts like this, same dates of charge off's. And believe it, or not it is Verizon Wireless doing it.
  4. eman

    eman Well-Known Member

    I think I have only seen this with Experian. They usually only start the 7 year clock with the earliest delinquincy date posted before a consecutive series of dates. The creditors seem to post a new date every time they report anything on a charge off or collection account.

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