Bad Credit Repair Discussion Forum - View Single Post

thompson6581 · 05-19-2008, 12:02 PM

First off, all of you here are wonderfully informative. I've found a new hope for my situation through reading your advice.

Here's my question. I had two credit cards years ago (Aspen/Tribute) which don't even show on my credit report anymore. I pulled my credit report the other day to find that I now have two entrys (Once for the Aspen card and once for Tribute) both from Zenith Acquisition showing this:

Status: Collection account. $595 past due as of Mar 2008
Date Open: 1/2008
Recent Balance: $595 as of 3/2008
Last Reported:3/2008

Same for the Tribute card. Both of these cards are from back in 2002 or so. From what I gather from my reading, that by By posting the debt as a recently defaulted case they have violated FCRA Section 605(a).

Am I right in my interpritation? And if so, what should be my first steps as to dealing with them on these two posts to my report?

05-19-2008, 12:02 PM	#1 (permalink)
thompson6581 New Member Join Date: May 2008 Posts: 12 Casino Cash: $109900	NEED HELP, First Time User First off, all of you here are wonderfully informative. I've found a new hope for my situation through reading your advice. Here's my question. I had two credit cards years ago (Aspen/Tribute) which don't even show on my credit report anymore. I pulled my credit report the other day to find that I now have two entrys (Once for the Aspen card and once for Tribute) both from Zenith Acquisition showing this: Status: Collection account. $595 past due as of Mar 2008 Date Open: 1/2008 Recent Balance: $595 as of 3/2008 Last Reported:3/2008 Same for the Tribute card. Both of these cards are from back in 2002 or so. From what I gather from my reading, that by By posting the debt as a recently defaulted case they have violated FCRA Section 605(a). Am I right in my interpritation? And if so, what should be my first steps as to dealing with them on these two posts to my report?