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"recent payment" on CR





Sub: "recent payment" on CR
Mon, 16/04/2007 17:09

I have an old account that I disputed - paid off all byt the $560 that I never charged. Of course with interest since last activity in 2003 it is reported as much more. Chcked my credit report today and it lists a "recent payment" of $70 a few months ago. I read somewhere that creditors can record a non-existent payment to keep the SOL from going into effect.
Should I contact Experian or the creditor (actually there have been 4 different junk buyers holding this acct the past 3 years!)



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onelamb
onelamb
Posts: 433
Credits: 2785 Send message to onelamb

Sub: #1 If you have never done a payment on the date mentioned by the crMon, 04/16/2007 - 17:09



If you have never done a payment on the date mentioned by the creditor, dispute it with the credit bureau and request to investigate with the creditor. Your credit file should show the accurate status of all the accounts. You may speed up the dispute process by sending a copy to the credit company reporting to the bureaus.


cajunbulldog
cajunbulldog

Posts: 4787
Credits: 42329 Send message to cajunbulldog

Sub: #2 Please go to www.annualcreditreport.com and get a copy of all thMon, 04/16/2007 - 17:09



Please go to www.annualcreditreport.com and get a copy of all three of your reports. Once this is done,you will have a starting point to begin a fix.

Cajunbulldog
Keeping an eye out for consumers.
http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#809
http://www.ftc.gov/os/statutes/fcrajump.shtm
http://www.debtconsolidationcare.com.../about216.html
Use this letter to protect your rights under the FDCPA
myfairdebt.com & myfaircredit.com-Good source of case law in forums.


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