Re-aging

[syborrego]

What is the name of your state? CA

What action can a person take if a creditor (Discover Card) re-ages the date of the last payment? This item was to drop off my CR this year and they changed the date of last activity up by 3 years!

 

[bigun]

end Discover a letter CRRR saying the account has been reaged and to correct the tradeline. WHen you get the geen card back, send a letter CRRR to the CRA's disputing the dates showing on the tradeline. They {the CRA} must respond within 30 days. You will have given Discover 2 cracks at correcting the record. If this does not work, post back and we'll tell you how to sue Discover in your local small claims court or a court of record.
Here's the lawsuit that placed the burden of geting it right on the orginal creditor.
http://www.bankersonline.com/infovault/courtwatch.html#fair
Scroll to Nelson vs Chase Manhattan Mortgage. I'd link it myself but, everytime I try and link a pdf file to this site my computer freezes for a couple of minutes and then knocks me off line.
This is an easy case to read and it's a paint by number roadmap of the portions of the FCRA that are applicable.

http://www.ftc.gov/os/statutes/fcra.htm

 

[syborrego]

Thank you!

 

[Ladynred]

I'd be willing to bet that DISCOVER didn't do the re-aging if the thing is old already. RMA is the collction dog that Discover seems to use most and RMA is notorious for illegal re-aging.