Hmm... I need to find out myself. I don't know what is the right answer to your question. I'll do some poking around and get back to you if I find an decent answer. You should email the people at Discover Card as they probably could answer your Discover Card question..

Ummm bad move.

I told you in the other thread NOT to give them any more info. You just pretty much screwed yourself. You are officially on the radar. I told you you didnt need the full acct number, the burden of proof is NOT on you, it is on them....

GL..

Why didn't you just dispute it as obsolete as we suggested? Have you even bothered to read the newbies section?.

Things that are on the verge of 7 years, are prime targets for disputing as obsolete. Lots of us here have had success disputing as obsolete even a year from falling off, tho most wait till about 5-6 months before fall off date. There was no need to contact the creditor at this point, unless it had come back verified or some other thing when you had disputed it..

As peanut said, you probably just screwed yourself..

I'm sorry but if your not going to listen to us, then why bother asking for help?..

They are acting without knowing what they are doing or why..

I dont help people who don't help themselves.

I suggest if you plan on really doing credit repair and not just shooting yourself in the foot over and over that you READ the newbies section and understand WHY you are doing what you are doing and not just acting....you are making it harder on yourself...

First of all I wrote this thread long before you took the time to respond to my other thread so it is not that I chose not to listen to you. Secondly I do not recall seeing anything in the newbie section that says do not give out the last 4 of your ssn to get the account number or that I did not need the full account number to dispute it. Now if I screwed myself or missed something in the newbie section I am truly srry but I think the results will be payment enough for my ignorance..

So sorry if I am not as good at this as you but thats why I asked for help and when I did not receive it I took action, apparently not the right action but thats unfortunately called a life lesson..

Now if you do not want to help me thats fine but if anyone has anything constructive advice please let me know..

Now they still do not have my address and I have not stated that I think the debt is valid or not. I have the full account number and am ready to dispute it with the CRA as being obsolete if I can. Unfortunately, I did read an article where some states do not consider an electric company as a company that falls under the UCC due to the fact that electricity is not tangeble and is not manufactured at the company that is charging you. The article also added that electricity is metered by the KW hour and thus you are being charged by for the time electricity is allowed to flow. The basic point of the article was electricity did not meet the definition of a "good" and was thus being not being considered by some courts as falling under the UCC..

I checked my states commercial code and the definition of a good is a tangible item that can be moved at the time of sale. I think my state might not accept that a utility company falls under the UCC. Now I might be wrong, I certainly have not been doing this as long as some of you, but for what it is worth I am trying. At this point I will even accept a PFD for full ammount if they delete. The 190.00 is not a problem, I just want it off my CR...

The UCC code refers to the time they have that they can sue you, if they choose to..

There's two different Sol's were working with here..

It's common knowledge that you don't need to give your ssn# out to anyone, regardless of who asks for it (Utility, etc).

You can try disputing it with the Cra's but now that you called them, they will most likely verify the account..

This should have been one of your first threads you read:.

Http://creditboards....?showtopic=2070.

This post has been edited by.

Beli.

: 02 January 2010 - 06:47 PM..

To be fair, I have no idea what you want exactly. I could make inferences from combining all your posts but I still really don't know what you want..

It is confusing and so I wouldn't expect any good advice..

I can tell you to slow down and read some more..

And if we can't be honest with you then we can't help..

This kind of phone call is not helpful..

You can send a DV letter. What you do is copy the tradeline from the the credit report into your letter. Mail it to the address given in the tradeline, CMRRR. If the utility can't provide your records based on what they are publishing on your CR, then they need to delete...

Yes I did read that post and it is one of the reasons I posted asking what info I should provide. Unfortunately I didnt receive a response until it was almost off the bottom of the forum list and while I could have bumped it I had posted a few responses and got less and less replies so outta fear of annoying people to much "I chose" to take the chance. Wrong choice I admit it, but to me it was not common sense not to give the last four of my social when you have a name as common as john smith. How can they verify the account when there are 3 or more accounts with the same name. Had I known that I did not need the full account number I probably would not have done what I did. Not that that is anyone elses fault just letting you know what was going through my head..

I had already started a CRA dispute about a week before I posted this, so I am guessing that I should just wait for that to come back. If they do verify it in the time period allowed am I better off just sending a SoL and PFD???..

What do you mean by sending a sol?.

After you get the results of your dispute back you can decide what to do. You can do 623 method dispute...

I mean if they validate my CRA dispute I could send a letter stating I know it's outta SoL and I guess a 623 method dispute (623 instead of the PFD). My thoght with letting them know that I know it is outta SoL is that they will become aware that I am not gonna fold at a threat of being Sue's and that they have no real leverage over me this close to the seven years so they might just drop it. Ultimately my goal is just to clean it off the credit report asap as I am getting married soon and will likely be in the market for a house (VA loan) in a couple of years. I do have positive TL on my report from prior to my ex-wifes and my messy divorce..

This post has been edited by.

Tryn2getup.

: 02 January 2010 - 07:29 PM..

If I'm understanding you correctly, we're dealing with two Sol's here..

Reporting Sol's & Legal..

You can't send the letter that your referring to(Sol letter), because technically it's not out of.

REPORTING.

Sol quite yet, regardless of it being outside of Legal SOL (the time they have to sue you)..

I'd really suggest slowing down, and reading some more. Seems your confusing your Reporting & Legal Sol's, which I believe are talked about in the newbies section in PyshcDoc's transcripts as well as other threads in the newbies section..

This post has been edited by.

Beli.

: 02 January 2010 - 07:39 PM..

I know it is not out of reporting SoL but I just want to let them know that I know they can not sue me (or if they do all I have to do is show up say I dispute the debt and it's way outta legal SoL anyway and have it thrown out.) I guess my thinking is, and correct me if I am wrong, but if I tell them I know it's outta legal SoL then they probably will not try to hold that over my head. That means that the only thing they can hold over my head is hey we can still report this for a year. At that point I am hoping that they will say ok he has no intent of accepting this as a valid debt and paying (with Discover card) it so we can either play the 623 game and spend time and money investigating it or drop it. If they decide to investigate it then that will make it closer to the 7 years at which point I can either wait it out or I can send my PFD. This thot process is just the way I am understanding it and assuming I have already screwed myself out of the CRA Dispute...

The only way I've really seen legal sol's work is for FOAD letters. I haven't seen them used to try and get them to delete the debt before the 7year mark..

I'd just hold tight for now, and see what the results are when you get the report back..

If it's past Legal Sol's, and it for some reason comes back verified, depending on how much we're talking about here a lot of us use the PFD method to try and get if off our reports before the 7year mark...

Well it's only 190 and I dont have a problem PFD-ing this one if I have to. Its the last utility bill from when I moved into the barracks and my ex stayed at the apt before our divorce. Like a lot of things she said she would pay it and never did. Being young, dumb, and stupid I said @#$% it it's not mine and didnt pay it either. All the bills were in my name...

There is however a 825 cell phone bill from this same state that I know nothing about. This bill is on my CR report as of 2005 I think and I did not live there durring that time frame. I do not know if this is a mistake, something my ex managed to open in my name before and just never popped up till 2005, or what it is. I have not contacted this utility and I did dispute it as I do not know anything about this bill with the CRA's..

I am hoping worst case scenario this $190.00 bill near the 7 years will at the very least PFD and I can just learn from it and not contact the CA or OC with this 825 bill...

Ok, I am not gonna pfd now I am just gonna wait and see what happens with the CRA dispute and take it from there, but I am not gonna contact a CA or OC again for other accounts. I was gonna call the CRA's and get the DofD for all my bills since you suggested I find out what the DofD was. Is that the way to go about it by contacting the CRA's?.

This post has been edited by.

Tryn2getup.

: 02 January 2010 - 08:03 PM..

I think the three agencies are sending a paper copy but it was not on the electronic copies as far as I could tell. I will wait and see what shows up...

It's there. it may not be labeled DOFD, but it's there. keep reading..

On the one I ordered for all three companies all it says is date open..

I have another one that just shows TUC and it says date open and last reported.

Then I just subscribed to CCT and like the other one that shows all three companies it just shows date open..

If date open is the DofD there is some serious re-aging going on..

You need hard copies of your reports. The sites you listed are what we call Tri-Merge sites, they will not have the Dofd..

When you get your hard copies of your reports, you will see payment history, that will tell you the DOFD..

It will also tell you how long the account will stay on each Cra's...

Ok, is there any site I can go to that will show me online what the DofD is or do I need to wait from these Hard Copies to come in the mail?..

I'd sit tight and wait..

I'm curious tho.. you mentioned you already disputed accounts, off what? Never go off anything other then hard copies of your reports. It's also best to mail your disputes in, instead of on-line. On-line makes it much easier for the Cra's to do their job for them..

That and you don't get a paper trail, should you need it...

Unfortunately I did dispute off of the online copies and I did dispute online. I had read that it was best to dispute durring the holidays because Creditors are busy with new accounts and won't always verify with the CRA's on really old accounts (most of which mine are). After I did that I read the post disputing online and mail CRA disputes. I do see the validity of CRA disputes by mail and am just hoping for the best at this point in time...

I think the one thing I did do right before I came to this board was I settled a 33,000 judgement that is not on my CR for 12,000. 2,000 of it I put in a CD with a CU and took a secured loan out on it to build some credit. I am thinking of taking another 2,000 of it down to a different CU paying (with Discover card) the 5 dollar membership fee and taking out a loan. I can afford the payments and I think it might help build credit. I am hoping that at this point I did not miss something and make another mistake..

Also the addy on my CR is my addy, but I do not live there I live with my GF/fiance's so if creditors get it IDC, and I have a prepaid phone set up just for contacting lawyers and creditors etc when need be. I turn it off when not in use to prevent getting junk mail and phone calls of a harrasssing nature at my GF/fiance's house...

How'd you dispute the account? IE Not mine etc. If not mine, chances are it's going to come back validated, or worse yet, you'll get fraud alerts..

If it comes back validated, you'll have to go over the Tl carefully and see how it's reporting and dispute something wrong with the TL, unless you want to try for PFD..

Yes, it's fine to dispute during the holiday, that's when a lot of us get most of our baddies off (offices are on skeleton crews because of the holidays etc).

You'll see some here swear up and down by on-line disputes. If you don't care about a paper trail then that's fine. But me personally, I want that paper trail. I'll be honest when I first started out, I did the on-line disputes for my CA's that were reporting for the illegal payday loans I had out at one time, and paid them back three fold and closed my account and their access to my checking account..

But everything after that, was paper disputes for me...

I disputed I have no knowledge of this account, I will not swear to it but I think that there was a sepperate listing that said not mine but I could be wrong I do not really remember. I do know I disputed I have no knowledge of this account...

It will most likely come back verified then, and or fraud alert since the bill was in your name..

Here's a tidbit I picked up. Usually when you dispute it as "not mine" they send the creditor please verify ssn/dob/name. This is why we tell people unless the account is truly not yours to avoid using "not mine" not to mention the fraud alert..

Hell sometimes even when you send in a written dispute, and mention something wrong with the TL, all they'll send is "Verify dob/ssn/name".. I learned that when I disputed something off my EX report. I never asked the CA to verify dob/ssn/name. I specifically disputed the amount owed..

I'd suggest spending the rest of the weekend going over the newbies section with a fine tooth comb before doing anything else. What i've explained is all listed in the newbies section in various different threads and especially Psychdoc's seminars...

For what it's worth: They might have caller ID... that has your account pull up based on that number. A lot of companies are doing that now!.

Best of luck...

I have actually moved and not heard from any creditors at all even when I lived at my addy. The phone I use to call anything associated with my credit is a prepaid phone that is not set up in anyones name. I have not given anyone but the CRA's my addy and the addy I gave is one I maintain but do not live at. So it's pretty difficult to get my ID based on just a name, thats why I thought I would have to give em more information, but I guess I screwed up...

We all screwed up from time to time,during our credit repair journey as long as we learn from it, that's all what counts..

And you have been harmed, how? The correct account was noted with the comment that you had already called. Stick to claims that actually have merit and can be shown in litigation to have caused you real harm (ie. damages).....