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Where do I find a good Credit Report with Date of Last Activity?
The various Bureraus all say AnnualCreditReport.com has supplied me a free report, though they have not.
As a result, I have purchased reports directly from Equifax and Experian (Transunion's site didn't like me). Neither the Equifax or Experian online report I received (which I paid for) had the "date of last activity" or date of delinquency notated for a single item.
I am hoping to find this information for about seven years of history.
I am willing to pay for one.. anyone have suggestions? Please help, I am urgently needing to find out dates for SOL potentially leading to a summons.
Thanks!
Normally you will not find the date of your last payment towards the debt in your credit report. The credit report will show only the month and year of your transaction. The report will also show the month when you have made a late payment marked in red.
One credit report if free every year from each of the bureaus. If you have not got one from them, and they claim that you have received one, you can file a complaint with the Federal Trade Commission.
Yes kornyone,
if you honestly haven't recieved your credit reports through annualcreditreport.com and they are claiming that you have than it is very possible that someone may have stolen your identity. You could try contacting annualcreditreport's toll free number:1-877-322-8228 to see if they can help you there.
I suggest you look into this a bit further and if necessary place fraud alerts on your credit reports through the credit bureaus.
As Carol said the FTC is also a great place to go for help.
Good luck
Thanks for the responses!
Regarding the annualcreditreport.com issue, two of the bureaus also have a problem with my ID when I try to approach it from a consumer angle.
I plan to follow up with those bureaus individually, and escalate it from there.
Experian doesn't have a problem with my SSN using their site, so I purchased one of their 3-in-1 reports. This report does contain the "Date Opened" & "Balance Date", but it is apparent these dates correspond with the collection agency activities.
Also, the debt which the law firm collector (Paul Law Office out of Utah) is trying to collect does not appear on the report at all, from any of the three bureaus (on the 3.in-1 report I did purchase).
So.. I am not generally frightened by collectors, even those of lawfirms... I once worked in this industry. Unfortunately, it seems the tactics this one collector or lawfirm has deployed makes it seem like a legitimate law firm doing the steps prior to taking action -- This week they pulled a brand new report on me, and sent an employment verification to my job. (Keep in mind I have blocked this guy's calls).
I am pretty certain they cannot do anything against me as the debt is from 2002 (as far as I know, maybe 2003), and I original signed up for the credit card in California... but I moved to Louisiana shortly after.
So I have a bunch of questions:
* Does moving around after establishing the credit effect the SOL? For example - you move to another state and continue making payments under a new address.
* Can a lawfirm do anything with a debt past SOL? Is it normal for one to go out of their way like this guy for a debt which is truly past SOL?
* I verbally requested validation of the debt a month ago, and received a templated response from them stating that they do not need to provide it, as it's more or less a stall tactic by the debtor (I can grab the specific verbiage later if it helps).
BTW, This forum is awesome. I am very glad I stumbled across here, and I hope to become a contributor. Thanks for your help !
Credit reports are a gold mine of information about consumers. They contain Social Security number, date of birth, current and previous addresses, telephone number (including unlisted numbers), credit payment status, employment, even legal information.Ordering your credit report once a year and knowing your credit reporting rights are among the most important steps you can take to safeguard your privacy The federal Fair Credit Reporting Act (FCRA) and state laws restrict who has access to your sensitive credit information and what uses can be made of it. These federal and state laws also set the standards for the operation of consumer reporting agencies, called "CRAs" or "credit bureaus."