S
shadow01
Guest
What is the name of your state? PA.
A while back I had posted about a small department store trying to get money out of me for a debt that's SOL clock has almost run. I keep getting settlement offers and just toss them aside.
I pulled a copy of my report and compared it to a copy I had from 2 years ago. The one that was pulled in 2001 has a charge off date of 11/99. The one I pulled this month has a charge off date of 7/00.
Is it possible that there would be 2 different dates? I'm confused on what the actual charge off date is here. Did someone illegally reage the thing? The report dated from 2001 is still new enough that even if there was a charge off date in July 2000 that it would show on the report as such, right?
I actually talked to the scum today on the phone. I called to make sure I had the correct address of where to send my validation letter. We got into a battle and I made the guy so mad that he hung up on me. LOL.
And one more thing. I am going to try to clean up my report a bit. I have some medical bills that these collection agencies have yet to validate for me. They have no proof. But if I were to choose to settle with the scumbag collector of the store credit card, is there a way that I could negotiate having that derogatory pulled from my reports as part of the deal?
Thanks so much for the information provided on this site. It has been helpful in the battle against some of these collectors.
A while back I had posted about a small department store trying to get money out of me for a debt that's SOL clock has almost run. I keep getting settlement offers and just toss them aside.
I pulled a copy of my report and compared it to a copy I had from 2 years ago. The one that was pulled in 2001 has a charge off date of 11/99. The one I pulled this month has a charge off date of 7/00.
Is it possible that there would be 2 different dates? I'm confused on what the actual charge off date is here. Did someone illegally reage the thing? The report dated from 2001 is still new enough that even if there was a charge off date in July 2000 that it would show on the report as such, right?
I actually talked to the scum today on the phone. I called to make sure I had the correct address of where to send my validation letter. We got into a battle and I made the guy so mad that he hung up on me. LOL.
And one more thing. I am going to try to clean up my report a bit. I have some medical bills that these collection agencies have yet to validate for me. They have no proof. But if I were to choose to settle with the scumbag collector of the store credit card, is there a way that I could negotiate having that derogatory pulled from my reports as part of the deal?
Thanks so much for the information provided on this site. It has been helpful in the battle against some of these collectors.