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HomeCredit ForumCredit repair

Letter for account re-aging request

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fireyone



Joined: 26 Feb 2008
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10771 Magic Points
 
 Posted on Thu Mar 27, 2008 8:50 pm  
Very true. I could never get far enough anyway.
 
goodnatured



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 Posted on Fri Mar 28, 2008 12:47 am  
Lol, okay fireyone
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fireyone



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 Posted on Sat Mar 29, 2008 1:07 pm  
It really should be easy if you have an old credit report to show if a company reages right? I mean I don't keep reciepts forever so if a company does reage a debt and you have a credit report that shows that same account with a different date of last act. wouldn't that help prove they reage it?
 
goodnatured



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 Posted on Sat Mar 29, 2008 10:37 pm  
If they reage it your reciept would not match it anyway, I wonder how the credit reporting agencies let this go on, they could demand proof of actual payment to update the status of a credit report.
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fireyone



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 Posted on Sun Mar 30, 2008 1:29 am  
I am trying to figure out what proof a person theirselves could have. Don't you thin k an old credit report would work? It would show the date of last activity, say as of Nov 2001. Then in that same report it would go onto show 120 days late and so on. If they reage you would at least have that report to show when you last made payment. It would throw some doubt on the creditor trying to reage. I only say this cause I think it would be a wise idea to put up copies of old reports and not throw them out.
 
goodnatured



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 Posted on Sun Mar 30, 2008 2:49 am  
I would think that it should work, I mean after all it is coming straight from the original creditor right? I would think that should suffice as proof that payment has not been made since that date, after all why would it be in the collectors hands if you were making payments after that point?????
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fireyone



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 Posted on Sun Mar 30, 2008 10:34 pm  
Thats what I was thinking.
 
goodnatured



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 Posted on Mon Mar 31, 2008 2:39 am  
It just makes sense, why would it not reflect payment activity, they would have to admit to a payment being made and then provide proof of that payment if questioned on it. If a payment was not made then they have no legal proof of the allegded payment. I would think that they could get in a lot of trouble for this.
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fireyone



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 Posted on Tue Apr 01, 2008 10:38 pm  
I would hope that they would. They use such unfair tactics. I think the laws on these people need to be tightened and enforced more. Maybe then it would get rid of the really ignorant CA's.
 
sdchargers_63

sdchargers_63

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Subject: credit
 
 Posted on Wed Apr 02, 2008 1:35 pm  
If people do send letters, to creditors, to 're-age' accounts, are the creditors OBLIGATED to do this? If so, are they OBLIGATED to 'up-date' your Credit Report? If Creditors DON'T agree to this...then what?
 
sdchargers_63

sdchargers_63

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Subject: credit score
 
 Posted on Wed Apr 02, 2008 1:40 pm  
When I fall behind in payments ( for whatever reason) I like to call my Creditors and let me know what's going on with me. They DO say they do appriciate me calling. Sometimes I can make NEW payment arrangements with them. By doing this, isn't THIS (almost?) like 're-aging' over the phone? Or would it just be MORE affective, if a letter is given?
 
TheZster



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 Posted on Wed Apr 02, 2008 6:21 pm  
great letter. Not many are aware that this can be done. As always get something in writing.
 
goodnatured



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 Posted on Sun Apr 06, 2008 11:17 pm  
True, print will hold up in any situation.
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sdchargers_63

sdchargers_63

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Subject: debt
 
 Posted on Mon Apr 07, 2008 3:56 am  
I guess it's better to 'have it in writing' than to explain it to someone or 'dispute' over the internet. If it's ON PAPER, it's more 'evidence' (lack of a better word).
 
Morningstar

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 Posted on Mon Apr 07, 2008 4:15 am  
Code:
If people do send letters, to creditors, to 're-age' accounts, are the creditors OBLIGATED to do this?

No.
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