DOLA same as last reported?

[Nixer]

I am wondering if they are the same on a CR. I have debts opened in 2004, but last reported is 08, am I stuck for another 7 years?

Thanks

[Trish]

No, they are not the same.

CAs/OCs can update or report on your CR every month.
If you can't find the DOLA or DOFD on your CRs, you can always call the CRAs and ask them what the FCRA compliance date on that particular TL is.
By law, they have to have that date.

[Nixer]

Thanks again.

I am trying to make sure that the SOL in my state is 4 years on a medical/dental bill. This is what i have found and not sure if it falls under sales contract/goods sold, I remember reading somewhere it does, but want to make sure before I write a PFD. This came from 2 different sources.


STATUTE OF LIMITATIONS (IN YEARS)

Open Account: 6
Written Contract: 6
TransportationService: 3
Sales (UCC) Contract: 4
Domestic Judgment: 10
Foreign Judgment: 10

STATUTE OF LIMITATIONS (IN YEARS)

Goods Sold & Delivered (UCC): 4

Thanks

[Trish]

Medical falls under the UCC SOL for goods and services which is 4 years.

You can do a PFD, however....I would recommend you go the HIPAA route if it is a medical debt.

Medical collections/HIPAA process

[Nixer]

Had a strange thing happen today. I called transunion and asked if they could give me the FCRA complaince date for this TL. They told me that there was no tradeline with that name on my report. This is the same one that i just recieved validation from the CA yesterday. They did validate within 30 days, so i am not sure if they took it off for some reason or what. They are sending me a new report as they had the wrong address and updated it for me, so I guess when it arrives I will see if it is actually still there. But for now its good news!!!

* This was really my first response from a dispute since I just started last week. So when you dispute with a CRA the CA sent me the info and a copy of the original bill from the OC, is this how it usually works?

thanks

[Trish]

Sometimes that will happen (but not normally)......where a CA jumps to it and sends you a collection letter. You only disputed with the CRA right? Or did you also send the CA a DV?

I would wait and see what your report says.......odd that it would get dropped that fast.
This is the medical bill you were talking about? Does the copy of the original bill have private/personal medical info on it?

[Nixer]

It does make sense I did send a DV letter. I disputed with the CRA but didnt give them the 30 days before I sent a letter to the CA.

It is the medical bill I was talking about and it does say what the dentist did so it technically would have personal medical info on it I guess? Not sure if its different since its dental or what that means if anything. Please explain if that shouldnt be on there.

Thanks Trish you have been a ton of help.

[Trish]

Ah ok..
If you sent them a DV, then they had the right to get the bill from the OC.

If you hadn't sent them a DV AND they sent you a bill with personal info on it (like what procedures were done, etc), I would say that's a HIPAA violation. Which is what I was thinking.

Well, go ahead and wait for your report.......see what happens there. See if the TL actually got deleted.