1. I talked to a couple of accounts today. Direct TV was closed in 2005. But the agency have it at 2007 and the current collections have it at 2009?? Ok how can they just change the date? I was told I can send a letter to Direct TV  to see if they will do a PFD but I am afraid if I do they will just change the date again and say I just paid it off and it will be on my report for 7 more years.

 

2. I also have an old phone bill. it went to collections and they sent me a letter for half the amount which I finally had the money and was going to pay it. I called and the guy said it went back to Verizon like the day before. They sent me a Bill and now want the whole amount ?  again if I call them and pay and ask for a PFD  will it just change the date to Now?? Its from 2007 I am not trying to skip on any payments I just don’t agree in any form that these items should stay with me for 7 more years….Thats Krazy….with a K. Ok so what can I say and what is going to be used against me…..

 

Hi!  I need some help in determining if these two items should even show up on my credit report.  They  are from 2001 and 2002. 

 

This was reported in 2002 (Past SOL right?)

TRIAD FINANC

 

Old – 03/29/2010

Condition

Closed

Balance

$0

Type

Auto Loan

Pay Status:

Current

Past Due

$0

High Balance

$15,293

Bitmap Terms

60 Months

Limit:

$0

Payment

$388

Opened

1/1/2002

Reported

7/1/2002

Responsibility:

Joint

Remarks

Closed

       

 

This was reported in 2001 (Past SOL right?)

 

USBANK/GLHEC

 

Old – 03/29/2010

Condition

Transferred

Balance

$0

Type

Educational

Pay Status:

Current

Past Due

$0

High Balance

$3,938

Bitmap Terms

Limit:

$0

Payment

$50

Opened

9/1/1998

Reported

7/1/2001

Responsibility:

Individual

Remarks

Account closed due to transfer