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Originally Posted by N.SANTANA  i have a collection company showing two account ( bad checks), they have been validated but are showing 180 days past dew. i never paid started paying them, is this a violation of my right in any way and what can i do zenith acquistion is the company???? need help:mad: |
What do you mean by validated? Did they provide you with copies of the checks?
Yes, a CA reporting an acct "past due" is a violation. You can't be past due unless you made payment arrangements with them. It's a tactic they use to drop your score even more.
Have you tried disputing it with the CRAs?