Delete Collection Upon Payment

I have an old tel’ bill reporting on Exp & Equifax.

I believe the a/c first became delinq. ie payment was due but never paid on 10/23/03. The Coll Agy. are reporting on Eq. 1st DOD as 4/04. & Expshows D of status, 12/07, D opened 11/07 etc. Though the SOL has expired I believe (in CA), is there any way I can get this deleted?, as I am seeking financing and this creating problems.

Also I’ve tried to dispute twice w/ CRAs they keep reporting verified. and I just received a copy of a printout of a bill, showing some billing in 2/2004 with a final amount of $180. so I cant claim they violated s 809(b) FDCPA. What do you suggest.

PS LOve all the info on the website!

Susie

———–

Hi Susie,

Experian likes to give the consumer a nice new updated date of status in response to a dispute.  Anyways, it sounds like the account is yours and the amount is correct.  The solution may be a pay for delete.

Thanks for the questions and hope this helps.

Paul

This author is not an attorney and this information should not be considered legal advice. Please consult an attorney for legal advice.