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I just received an alert on one of my credit reports that Zenith left a neg entry. It don't say what the account if for, just an amount and next to that it says "collections". I have an idea what account it can be, and this account is over 6 years ago. What exactly does that mean when they leave an entry on there? I never received anything from them




Send Zenith a debt validation letter demanding proof of the debt. If the Statute of Limitation has expired tell them in the letter that the SOL has expired and that they are in violation of the FCRA and they need to remove the entry. Also dispute it with the Reporting agency.

Sub: #1 posted on Tue, 06/24/2008 - 09:38

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Sorry but since we don't know what state the OP is in, you don't know if SOL has expired. Also, SOL and reporting period are 2 seperate things. OP stated 6 years but 6 years from what? DOLP, DOFD....reporting period is 7 yrs +180 days from DOFD. No violations of the FCRA based on this post. Would suggest you read up on the FCRA and fdcpa before submitting your opinion.

Sub: #2 posted on Tue, 06/24/2008 - 09:46

NASCAR_Devil NASCAR_Devil
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(Posts: 4665 | Credits: 308.23)

Im in Manhattan ny, There is no account next to this entry, other than leaving a neg entry an a amount next to it.

Sub: #3 posted on Tue, 06/24/2008 - 09:57

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SOL in NY is 6 years from date of last payment. Dispute with the CRA's as "not mine" and see wht they come back with.

Sub: #4 posted on Tue, 06/24/2008 - 10:00

NASCAR_Devil NASCAR_Devil
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(Posts: 4665 | Credits: 308.23)

thanks

Sub: #5 posted on Tue, 06/24/2008 - 10:22

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Contact details of Zenith Acquisition Corporation is: -

170 Northpointe Parkway, Suite300, Amherst, New York 14228
Phone: - 1-716-799-0525

Sub: #6 posted on Tue, 06/24/2008 - 13:10

phoenix phoenix
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Nascardevil, do you see the first word in the second paragraph it is "IF", meaning guest needed to determine the SOL.

Sub: #7 posted on Wed, 06/25/2008 - 09:09

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If the Statute of Limitation has expired tell them in the letter that theSOL has expired and that they are in violation of the FCRA and they need to remove the entry

Since this sentence is wrong in it's entirety...I didn't pay much attention to your "IF". People come here looking for advice. Giving them bad information doesn't help them one bit. If the OP sent that to the CA all they would do is laugh as they were throwing it away. Again...If you don't know what you're talking about refrain form giving your opinion.

Sub: #8 posted on Wed, 06/25/2008 - 09:42

NASCAR_Devil NASCAR_Devil
Moderators Cum Industry Expert
(Posts: 4665 | Credits: 308.23)

Nascar,

This is the OP, If I dispute with the CRA's, would they be able to tell me what it's for and would that "open a can of worms"

Thanks

Sub: #9 posted on Wed, 06/25/2008 - 09:59

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Nascardevil, I have to agrre with you, there are way to many posters that are posting incorrect information. This causes a lot of confusion to those that are looking for answers and desperately need help. I have been hoping that the moderators would step in and delete the post that contain the bad advice or information.

Sub: #10 posted on Wed, 06/25/2008 - 12:33

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