[Lornamartinez]

long story short::

looked at mine & hubbies credit repots 2 times within the past 6 mos---have very bad credit and trying to clean it up

a few months ago the report had listed a few that would be "falling off" within the next year or so--because the 7 year thing, which I dont know if this is true or not

a few days ago I checked---and a few of the same ones that should be "falling off"---it looks as if the companies or debt coll. agencies have made it appear as though I/we have opened new accounts within the past couple of months---the old accounts are on there still, but now however, it looks like I /we also have new accounts (with the same balance by the way as the old accounts) and they have it seeming like we just opened them and have not been paying on them and are reporting them as (new) bad debt


I disputed one of them --saying it wasnt mine--but it came back as it was mine---however I just realized really what they actually did and had seen the date opened etc and am hoping I can dispute it now based on that new info??


what can I do???

is this legal for them/collectors to do??

and does anyone have some really great sites that can help me with explanations of these issues or message boards etc I can visit??

thanks

[pamperedpeterson]

Hi! I just saw your post (I normally don't even look in here), and had been googling some information for myself (kinda the same thing, actually). I found this article:
http://en.allexperts.com/q/Collectio...hargeoff-1.htm
It looks like what you're looking for. hth