Scana utility bill

[Icemocha]

Hi Everyone,

I've been a member for a little over a year, but this is my first time posting. Since starting, I've attacked my CR in sections and my score has gone from 530 to 619.

However, I do need help with this Scana account. I got this account for my sister who was away in college and neither her or roomie had credit. A year later, they became enemies, parted, defaulted on this Scana account and I had no idea until seeing CR. I'm pissed since it was for freakin' $117, which if she told me, I would've paid. :cursing:The bill went to her address and I've tried getting her address deleted off my CR before disputing it, but EX won't delete it and EQ added it back. This is how it looks on CR



Current Status: CHARGE-OFF
Account Owner: Individual Account.
High Credit: $117
Type of Account : Open
Credit Limit: $0
Terms Frequency: Monthly (due every month)
Date Opened: 2004/08
Balance: $117
Date Reported: 12/2009
Amount Past Due: $117
Date of Last Payment: 03/2005
Date Major Delinquency First Reported: 06/2009
Months Reviewed: 6
Charge Off Amount: $0
Type of Loan: Utility Company
Date of First Delinquency: 03/2005
Comments: Charged off account


I think I read on here UCC SOL are 4yrs for utilities, right? So, would it be best to call them and do a PFD since its out of the SOL and being charged off? Or any other suggestions?


Thanks for being an awesome forum...oh and for free.

[Icemocha]

Any ideas anyone?

[Scorepro]

I think PFD sounds like a good idea. It is past the SOL so I would venture to say that knowing they can't sue you for it, they would want to get there $ even if it means deleting it. But, sometimes what seems logical to us, is not to collectors. Do not accept them modifying the account to read something positive. U want the entire thing deleted--and you need to get it in writing. Realize that making a payment will restart the reporting timeclock, so unless they remove it entirely, it will stay on for another 7 years from the date of payment.

[Icemocha]

Thanks Scorepro for giving me affirmation that I'm headed in the right direction.

[improving]

I would PFD, call them and have them send you something in writing.

If they refuse, try reporting them to the Better Business Bureau. This is what I had to do and it worked for me in the end - collection finally deleted - and I paid for it.

Good luck!

[Icemocha]

Tks improving for the advice and motivation. Congrats on yours!