Feeling stuck

[Marcusdavid]

Hello to all! First let me thank you in advance for any an all help in this matter.

Ok, here goes.

(please forgive any misspelling in advance, I am kind of in a rush)

Without trying to drag this out, basically I have 2 original creditors on my report that both were opened in october of 2001. I had someone dispute them for the SOL and the CA that the first account was sold to came off, but now the credit reporting agencies will not take the original debt off, which I am assuming is because they are saying the sale of the debt to the CA is what constitutes the last activity and this was in 2003. This does not seem right as I was always led to believe it was the date it was originally opened, not last manufactured activity. The second one had changed the original date from Oct 01 to Feb 02, this I'm assuming so that they can (if trying to do the same thing as first creditor) use this time to sell to another CA and now use this new date as last activity... essentially holding the same debt for another 7 years.

I have many questions and don't want to muddy up the forum with them all, but suffice to ask if there is a precedent set for these kinds of things, a type of letter I can sent or some way to appeal to the reporting agencies that these discrepancies are falsified and unfair?

In your debt,

Marcus

[jlynn]

Its not the date opened that starts the clock. Its the first time you became delinquent and never caught up.

[Marcusdavid]

Right.. date of first deliquency, not the date that it is sold to a CA.