ahj3939 t1_j6fmnom wrote on January 30, 2023 at 12:09 AM

Did you pull your official credit reports from www.annualcreditreport.com?

Credit monitoring sites don't show full details.

schrodingerzdawg OP t1_j6fnlzz wrote on January 30, 2023 at 12:15 AM

I just went ahead and did that. It's still showing payments for years when I was not making payments.

ChiMello t1_j6fuhyi wrote on January 30, 2023 at 1:02 AM

File a dispute based on inaccurate date. )If you can find old letters or statements to back up that you can upload them and your odds of winning will be much higher). Some shady debt collectors engage in redating of old debts to pressure people to pay them. Some even file lawsuits past the SOL and just hope the debtor doesn't show up so they get a default judgment despite being past the SOL.

schrodingerzdawg OP t1_j6k7wvd wrote on January 30, 2023 at 10:30 PM

Will filing a dispute reset any statue of limitations type thing and open me up to being sued again? I assume not, but I've read you have to be careful about how you interact with old debts.

Working on finding any old documentation. It's tough because the bank I used to pay this card doesn't even exist anymore, and I don't think I have any hard copies. I was young and dumb when I did this.

ahj3939 t1_j6iekym wrote on January 30, 2023 at 3:41 PM

What does it show for date of first delinquency?

schrodingerzdawg OP t1_j6k7oyz wrote on January 30, 2023 at 10:28 PM

I'm not seeing that data point on my Transunion report.

I couldn't pull my other one, I think I might have locked it during the experian leak? I'm going to see what I can do about that.

ahj3939 t1_j6k9opi wrote on January 30, 2023 at 10:42 PM

On Tranuinion it will show "Estimated month and year that this item will be removed"

DOFD will be that date minus 7 years.

schrodingerzdawg OP t1_j6kb3ui wrote on January 30, 2023 at 10:51 PM

So by that number it's saying DOFD was 2018 which is hugely inaccurate. It was at least 3 years earlier, if not more.

It does seem like this debt was maybe sold to a debt collector, then sold back to the original creditor? I think I used to get letters from debt collectors, and now I get letters from the original creditor again.