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This thread is awesome and super-informative. After being in the hole for low 5 digits, I've got but one debt left (woo!), in the neighborhood of $3000. This was originally a credit card, which got sold to a debt collector. Then that debt collector sold it to another one, and they sold it... I ignored this thing for years, so I couldn't even tell you how many times it got sold. I finally have my act together financially to take care of this big one, and started making payments last year. Then the poo poo hit the fan this summer, and I haven't made a payment since June. The jerks called my mom (I'm in my 30's, so this was pretty embarrassing; I was hoping she wouldn't find out), so now I've got a fire under my rear end to take care of this. Here's the thing: I just ran my free credit report, and I don't see this debt anywhere. I see the original cc account, which is listed as "transferred/closed", and "purchased by another lender". But there's nothing under Collections, or Adverse Accounts, or Negative Accounts, etc, on any of the 3 reports. What gives? I never asked for a debt validation, and I started payments. I assume that by making payment, I admitted that I do owe these guys money? Is it worth anything to ask for a DV now? What sort of proof can I demand from them? I live in VA, fwiw. JacquelineDempsey fucked around with this message at 19:34 on Feb 3, 2010 |
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Feb 3, 2010 19:29
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| # ¿ May 7, 2024 06:26 |
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