Old Collection Account with New Date?

Submitted by Anonymous (not verified) on Thu, 03/11/2010 - 13:42

So I have an old collection account 4 - 5 years (Sprint Cell Phone). I know the SOL is almot up and rather then open a can of worms and just going to let it expire and life goes on.

Well, I just checekd my FICO score and pulled my CR and the date has changed to November of last year (2009)???

So I have 2 questions,

1. Is the SOL date from the 180 missed mark?

2. Can a collection agency just change the date?

Sometimes new collection agencies pick up and start reporting old accounts it could be that they tried to re-age, but you won't know until you call the credit reporting agency.

Need to ask the credit reporting agency what the exact expiration date is on this new listing. If you find it not to match old listings of this same debt then immediately dispute it with the credit reporting agency as re-aging.

Thu, 03/11/2010 - 17:59 Permalink

Hi Nixxon,

The Statute of Limitations (SOL) starts from the date of last activity. Going delinquent is one of the activities. So your SOL has started from your date of first delinquency. However, it varies according to the account and the state you live in. So, you need to check the SOL of your state.

Even if a debt is sold off to another collection agency (CA), the SOL doesn't restart. I think the new CA has re-aged your debt. However, re-aging is illegal if not done mutually. What you can do is send letters to the CRA requesting to provide you with the information of the compliance date on this account according to the Fair Credit Reporting Act (FCRA). Don't send this letter in the consumer relations department of the CRA.

After you get the proof of the date, you can complain to the Fair Trading Commission (FTC).

Hope this helps.



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Tue, 10/08/2019 - 07:39 Permalink
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I consulted with Hack West Credit Repair (HACKWEST@WRITEME.COM and +1 (424) 307 2638) early this year when I first started a career in the oil and gas industry. I was hesitant at first like a lot of people may be when considering credit repair services but to this day I’m glad that I decided to trust them with their services and knowledge. I was irresponsible with my credit in my early to mid-twenties. There I was in my late twenties making good money but my credit wasn’t up to enough and I realized that it was time to do something about it. They took care of my credit quick and kept me up to date with everything that was going on along the way. They coached me on the do’s and don’ts during the credit repair process and I followed. It felt great to start over to work on building a strong credit history. I had a great experience and learned a great deal with Hack West and honestly wish I had gone through with the services sooner than I did. I strongly recommend Hack West Credit Repair to anyone out there that may be considering to fix credit. You won’t be disappointed and you’ll thank yourself later.

Wed, 10/09/2019 - 10:40 Permalink
Keithmit (not verified)

lost control in the Truck to make sure you just fall in love

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irealised i was thinking that I am witout a doubt 45 yoa, single and are no relative. as i great within my accomplish; I have a great very good, A mansion and a spead boat. other than I hardly opportune in just adore. genuinely, I wear confidence appreciate.

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the thing that was information technology, Anastasia orlando, fl? I initiated asking an appropriate question no one. a certain religious sect because,since are often company exactly who provides frying cookware? russian babes It turned out to be a courting website where you can provide for ruskies children. guess what happens? of entirely truck daughter used to be real! I subscribed and so tookthe first step actually talking to the lady's. not on your life. when i didn just fall in love. I shared with her the tale and she announced on the same day her friend folk sis really obtained run over a little too. your own woman provided your ex id badges incidence on the website as well as got well known. betty is nice attending to, she's a ideal english language. She is coming to visit me in may.

Mon, 10/21/2019 - 03:12 Permalink
Jim Scot (not verified)

Ok, so you have a lot of debt, and it seems like it's going no where. You pay your credit cards every month. What do you do
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Thu, 10/31/2019 - 18:50 Permalink
Tracy Allen (not verified)

I checked my scores some couple of weeks ago, they ran down in the low to the mid 400s. I was struggling having a hard time getting approved for anything due to a layoff I had last year so I fell behind on my bills and now I am struggling trying to get my score back up so I can purchase a home. I surf the internet in search of help and I met with AUTOLINKS CREDIT SERVICES and I explained to them my credit situation and they promised to help me get my scores back on track so I can be qualified for the home purchase. After some couple of days later, they cleared the bills on my credit profile and effected the changes across all 3 credit bureaus and finally raised my scores to 793. I bought the house after a week and I am very happy today with my family. You can contact them and have them fix your credit issues as fast as possible. Contact via: autolinkscreditservices@hotmail.com / +1 (520) 800-6528 .

Tue, 12/24/2019 - 07:01 Permalink
Tracy Allen (not verified)

I checked my scores some couple of weeks ago, they ran down in the low to the mid 400s. I was struggling having a hard time getting approved for anything due to a layoff I had last year so I fell behind on my bills and now I am struggling trying to get my score back up so I can purchase a home. I surf the internet in search of help and I met with AUTOLINKS CREDIT SERVICES and I explained to them my credit situation and they promised to help me get my scores back on track so I can be qualified for the home purchase. After some couple of days later, they cleared the bills on my credit profile and effected the changes across all 3 credit bureaus and finally raised my scores to 793. I bought the house after a week and I am very happy today with my family. You can contact them and have them fix your credit issues as fast as possible. Contact via: autolinkscreditservices@hotmail.com / +1 (520) 800-6528 .

Tue, 12/24/2019 - 07:06 Permalink
Tracy Allen (not verified)

Hello guys, I need a serious sender of MT103 direct, Plus or Manual download. Receiver is ready!!! Contact me via : tracyallen358@gmail.com

Sun, 12/29/2019 - 22:20 Permalink
Joshualeazy (not verified)

three months without dating apps

When my friend Abby dared me in September to delete my dating apps for other year, I was eager to but let them go.

at the time, I was feeling bored and overwhelmed with dating tired of carrying on generic conversations with strangers that often went nowhere and overwhelmed by all the potentials out there. I wanted to take full advantage of cool connections I was making in real life as I was making them, as an alternative for hoping to run into the person again virtually. So I logged off of Bumble, depend, Happn, JSwipe so Tinder, And i haven't touched them since.

My app hiatus was a vital break, But not a lot of stuff about it was wonderful. The time away reminded me how hard it is to find dates without online.

If you're feeling similarly bored, Or over or underwhelmed by online dating and want to take a similar break in the new year here are the positives and negatives of my three months off the dating apps:

expert: When you're not online dating, It's easier to spotlight one potential partner at a time.

I'm not advocating getting exclusive instantaneously. But there's something powerful about evaluating one person at a time, without daily influx of new matches. When I appeared my app hiatus, I had one last Bumble date on the calendar and it went effectively. We ended up dating approximately six weeks, And I really appreciated the chance to get to know him without also carrying on conversations with, and going on dates with, Multiple other people all in one go.

Dating some people at once can be fun. it could maybe tamp down the "Why haven't they texted me back, unease. But it can be exhausting (amount dates can you handle in one week?) And unclear (hold off, Did i explain to you this crazy funny story from my weekend, Or was that a person else?). While it didn't work out in this particular Bumble guy, I was able to focus on how I felt around him without constantly comparing him to visitors popping up on my phone.

seasoned: No tedious and often dead end conversations with matches.

Online dating involves a lot of determination that can feel like wasted energy but is just part of the search. i did not miss this at all: I wasn't spending time on conversations that fizzled or making plans that were eventually canceled, Two of my biggest pet peeves about online dating service.

professional player: No bad schedules!

Which is select a of saying I didn't go on many dates, year. I spent more time with friends who are usually very important to me and focused more on work, Which benefits all of you wonderful readers and is often more filling than a random night out with a stranger. I found myself going to parties and being more pumped up about connecting with potential freelancers than potential dates. typically, this website is my boyfriend right now.

con: It's hard to tell who's single in reality.

I thought finding dates in real life would be easy. inside ukraine girls 20s, I had plenty of random run ins that converted into dates: A flirty bus conversation that turned into a breakfast meetup the very next day; Another time I met a cute neighbor while trudging home during Snowmageddon of 2010 and we dated simply weeks. But being seen singles in the wild is harder in your 30s.

There were a few times I met someone at a party or bar, Only to have my interest snuffed out by the flash of a wedding ring five minutes in or the mention of a girlfriend 20 minutes into a conversation.

scam: I had serious FOMO fear of really missing out.

When I'd talk to friends about regarding they were dating, And i asked where they met, the answer was often: by going online. Yet I happening far fewer dates (In several weeks, I went on exactly one date with someone I'd met face to face), Largely because I didn't have a big supply of singles by which to pull.

with this challenge, I spoke to comedians Laura Lane and Angela Spera, Who compare online dating services to a party where most singles within a 10 mile radius are attending. as part of the new book "because of You're Single, They pose the rhetorical difficulty: "do you really say, 'No, I'm going to sit home and focus on not meeting new guys so that I can eventually meet someone'? hardly any, they're worth. most likely go. very, There is such a party planning on your phone and it's (ordinarily) free to get in,

So of course, I stayed home from that party for three months. like any night in, a variety of them are restorative and some are boring. In my ninety days off the apps, I discovered both.

scam: When you only have actuality to find other singles, It can shorten your effort span.

Without online dating site, Bars and functions became my Tinder. Which was great because I could immediately assess the chemistry with someone rather than completely reviewing days of electronic banter before meeting up. But I felt pressure to have as many discussions as possible, Because I didn't have the online to fall back on.

One night that stands out specially: I was at a bar by incorporating friends, conntacting a friend of a friend of a friend who was cute and seemingly single. alternatively, I was ukraine single woman at a bar full of men and women! I should be taking advantage of my time and talking to as many people as possible, good? So I left a perfectly good conversation prematurely to strike up a new conversation with another person who caught my eye nearby. obviously, a moment into this new encounter, I realized that your chosen guy is married. (and that is my wife right over there, He told me. Oops.)

That's when I realized that the ability of apps to zap daters' attention spans can result in real life as well. I might deleted Tinder from my phone, But that bar was waiting in for it. When the supply of singles seems synthetically low, It can make you act a little crazy.

in some instances, Dating without line felt like living without the online market place. therefore, why, if you can Google a restaurant's hours, Would you just show up and hope they're open only to find out oftentimes closed on Mondays? So I'm ready get back online, Perhaps with a bit more enthusiasm and patience for further development.

As I achieve this, I'm don't forget the words of Elan Gale, Who created the hilarious Instagram feed Tinder Nightmares. "The advantage online or with apps is everyone is there for a similar stated purpose, standing out from a bar, Or more painful, A food market, Where it's impossible to know who is looking for love and who is looking for lemons, He said in a conversation with the Guardian recently. "Online dating is equivalent to all dating. using and barely worth it, But worth it on the other hand,

Egan: City council and the poison pen that is TwitterTwitter brings about the worst in people, in particular Ottawa city councillors. this amazing.

Lamont coupled with Kilgour: What Canada could do to free Kovrig and SpavorThe government should try to broker a deal between the nation Attorney and.

Colgan: Ontario's math exam for lecturers doesn't pass the logic testWhile everyone who teaches needs basic numeracy, The provincial step wrongly.

Girling: Who can MPs trust in the age of falsehoods?A new history finds that, While people in politics want to find and use the best available.

investigations: With OSEG attached, Is the Ottawa baseball stadium ripe for a mini Lansdowne alteration?Company behind RedBlacks and 67's would have foot in if the city wants.

Wed, 01/08/2020 - 04:44 Permalink
Austin Benedict (not verified)

Happy to have honored my mother in-law’s invitation last week for she helped introduce me to 760PLUS CREDIT SCORE who did a wonderful job by clearing all bad credit records on my profile. I contacted him on phone, we had a deal after our discussion and agreement, he increased my low credit score from 458 to 802 in less than a week removing all hard inquiries, charge offs and eviction after I narrated to this hacker on how I lost my wife and 2 children to fire accident that claimed their lives on 18th Nov, 2018. Life became difficult and sad for me back them. Am just happy I got my credit fixed even when the pains of losing my family is irreplaceable but I must appreciate his good works and thanking my mother in-law for her relentless support to me. CONTACT VIA: 760PLUSCREDITSCORE@GMAIL.COM or text +1(304) -774 -5902.

Mon, 01/20/2020 - 22:35 Permalink
Bodaway Cliff (not verified)

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Tue, 01/21/2020 - 00:03 Permalink
Harry Clifford (not verified)

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Fri, 03/13/2020 - 03:06 Permalink
Kristopher Graysen (not verified)

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Mon, 03/30/2020 - 21:35 Permalink