schrodingerzdawg
schrodingerzdawg OP t1_j6k7wvd wrote
Reply to comment by ChiMello in Charged off credit card account, dates on credit report inaccurate by schrodingerzdawg
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.
schrodingerzdawg OP t1_j6k7oyz wrote
Reply to comment by ahj3939 in Charged off credit card account, dates on credit report inaccurate by schrodingerzdawg
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.
schrodingerzdawg OP t1_j6fnlzz wrote
Reply to comment by ahj3939 in Charged off credit card account, dates on credit report inaccurate by schrodingerzdawg
I just went ahead and did that. It's still showing payments for years when I was not making payments.
schrodingerzdawg OP t1_j6kb3ui wrote
Reply to comment by ahj3939 in Charged off credit card account, dates on credit report inaccurate by schrodingerzdawg
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.