Is this account reporting legally?

[CreditCrisis]

Your probably gonna say WTF just as i did.

Reporting on just my Experian:

Collector: Dominos Pizza
County #7754
Account: XXXXX
Ownership: Individual
Date open: 09-2004
Balance date: 02-2009
Balance amount: $50

Account seriously past due


I thought that i read somehwere that a bad check can only be reported if its over $100?

also, now is it out of the SOL? i recently disputed it and am just waiting on an outcome. can anyone offer any advice?

thanks

[Trish]

I haven't heard the over $100 thing......but if you can find that, let me know.

I believe checks/banking falls under UCC laws. You would have to check your state's UCC to be sure.
If all else fails.......you could always try a PFD on that one. It's so old and for such a small amount that your chances are a little better.

[Trish]

Oh.....you should also try to find out if this OC uses Chexsystems or Telecheck. It would probably be on that report too.......which you should also dispute. Those are the ones the banks will check if you ever apply for a bank acct.

[CreditCrisis]

Originally Posted by Trish

I haven't heard the over $100 thing......but if you can find that, let me know.

I believe checks/banking falls under UCC laws. You would have to check your state's UCC to be sure.
If all else fails.......you could always try a PFD on that one. It's so old and for such a small amount that your chances are a little better.

okay..what the heck is UCC laws?
whats PFD? Paid in Full Dispute? im not following..sorry :confused::confused:

[Trish]

It's ok.....

Here is a link to the UCC Banking laws (it was under helpful links in the beginner's section)
LII: UCC - Locator (just click on your state and it should take you there)

And then here is info on How To "Pay For Delete"

[CreditCrisis]

that PFD letter is awesome! there have been so many times i have written a letter like that but have been afraid to sign it. i have soooooooo many accounts, if verified, i want to try that on. thanks for the info.

[Trish]

You're welcome