I had a credit card over 2 years ago. I lost my job, so I called them and made a deal (yes it was in writing) about my payments. They did not hold up their end of the deal, ended up charging off my card, and then turned me over to a collection agency for the remaining balance. Last January (2006) was the last time they reported a negative on my credit report and they turned me over to collections. I look today (3/17/2007) and within the past 2 weeks, they have entered negative reportings since the last one up to now. Is this even legal? They didn't report for over a year, sent me to collections, charged-off the account, and now reporting me negative? I know that the last negative (Jan. 2006) will stay on there for 7 years, but the rest after that should be taken off right? I have had no communication with them since they sent me to collections. I entered a dispute through the credit reporting today. My credit report went down over 80 points because of this. Help!
2007-03-17
04:04:25
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11 answers
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asked by
Dani
2
in
Credit