Date of last Payment or Date of last activity?

[Tigz]

What is the name of your state? FL (count in GA too, as that is where I live now)

What date do I use to determine if something is out of the statute of limitations for Florida. Last payment (on credit report) shows 10/2000. Last activity shows 9/2001. I know for a fact that no payment was made after 12/2000 and possibly the 10/2000 is correct. (although I thought one was made in 12/2000, but memory may serve me wrong here - it could have been in october). Is there any way - prior to talking to any collection agency - to find out the actual date of last payment?

Thanks.

 

[ihatearizona]

Equifax has pretty detailed info on their report. Have you tried pulling your Equifax report to see what the dates they are showing? If you're looking at an Experian report - don't. Their dates are completely unreliable.

 

[Tigz]

I have my Equifax report (or online version thereof) it shows the date reported as 9/01, and date of last activity as 10/2000.
(Sorry, my bad - I looked at it wrong)

But looking at the 24 month payment history chart....it shows
the following:

08/2000 Pay 1/2001 Pay
09/2000 Pay 2/2001 30 days
10/2000 30 days 3/2001 60 days
11/2000 60 days 4/2001 90 days
12/2000 90 days 5-7/2001 120 days

Then strangely, it shows the * again (meaning pays as agreed) again on 8/2001. Although I am presuming that it was supposed to show charge-off instead

However, it does definitely say that 10/2000 was date of last activity.

Either which way, I should be safe to contact the collection agency in February and request a letter of validation shouldn’t I?

I don’t want to make contact with these people until I am sure that the SOL is up. From what I understand, this is a pretty vicious company

One other thing… I looked up the CAs listing on my Equifax report. They apparently didn’t buy the account until 2004 –or so I assume since they never tried to make contact until then and their company didn’t show up on my credit report until then. However, they show a date of last activity as 3/2001, which doesn’t jive with the 10/2000 date listed by the original creditor.

 

[ihatearizona]

The CA's DOLA must match the OC!

If you are safely outside the SOL, then send them the DV letter.