Thank you footloose, I will have too contact rogers, However I dont even remember the phone number since its been 3 years Nor do i have the address where I was living since I was renting a house at the time and an apartment other then city and my name and birthday, I couldnt tell them much more then that, Im not sure they would even give me any information about the account. But I will have too give it a try, After contacting Cogeco because it seems that Cogeco Didnt do something right when transferring my phone line, However Im going to have to contact Cogeco first it seems before Rogers to get this straightened out.

Thank you for explaining the date of last activity.

Equifax's POLICY is that all "Tradelines" are purged 6 years from the "date of last activity". In your case, the "date of last activity" is April 2008; therefore, this account will purge from your credit report April 2014. If any activity occurs prior to April 2014, this activity now becomes the NEW "date of last activity". Equifax does NOT place any "date of last activity" on a "Tradeline". A "date of last activity" can include a number of "activity" situations, such as, granting a credit line increase, a payment on an account, assigning the account to a collection agency or selling the debt to a debt buyer and even with the stroke of a pen, writing the debt off of their records. Many people make the same mistake that you did. They ASSUME that the "date of last activity" means the same as "date of last payment". Nothing is further from the truth. Then, because they are totally misinformed, they are quick to blame a credit agency for a reporting date error, when the consumer, through ignorance of the process, is the real problem.

Yes, it's true, that based on the information that you have supplied, this Rogers debt is beyond the SOL. However, that doesn't mean that the debt is extinguished or disappears. They can pursue you, albeit, not through the court system but they have tools available to "bring you to your knees" like doing hard pulls each week for several weeks. This will do wonders for your credit score, especially when you are trying to obtain a credit card or perhaps obtain a car loan.

Who do you plan to dispute this debt with? Deanna Natale? A colossal waste of time. They will tell you that as far as they are concerned, you owe the debt. Equifax? You, and many thousands who have gone before you, will receive a "boilerplate" letter saying that they have contacted the collection agency and that the debt has been verified. The only way to have this debt removed is to contact Rogers, and try to convince them that this debt does not exist. If they buy your story, then they should contact Deanna Natale and cancel the collection. Deanna Natale, in turn, should contact Equifax to have this debt removed as a collection account. In the meantime, the "Tradeline" will continue to show with a R9 rating ( which is the worst rating that you can receive ) and will purge from the credit report 6 years from the "date of last activity".

What many people are now just beginning to realize is that a good credit report and a good or excellent credit score is more important than a clean driver's license.

Happy Motoring

Okay so first off the last payment was made in end of 2007. That's when I switched phone companies. From rogers to cogeco digital phone. Cogeco took care of calling rogers letting them know and so I'd still have the same phone number I had with rogers. And canceled my phone with them.

Date of last activity says april 2008. Is that is different then the last date a payment was made. Then what date does equifax transunion go by for the "6 years before credit is taken off your record".???

Because there was no activity on my end. So how can they just put any date they want on? Doesn't make sense to me.

The s.o.l here is 2 years. Its been 3 yrs whether you from my last payment or the date of last activity

She can't sue me and I know they can come after you to try and get you to make a payment. However I'm not speaking to collections when I didn't owe rogers lead alone interest, and fees and whatever else they've added to this. They've already made my credit worst and that was my fault for not contacting rogers 3 years ago myself but I don't owe this debt and I am disputing it.

I am just curious if they don't remove it from my account, then when will the 6 years be up? From december 2007(last payment) or date of last activity 2008

"how did she find my address?" Why don't you call Deanna Natale and ask her. I'm sure that she would be happy to tell you, And yes, Global Credit and Collections can do a "hard pull" each day for the next 99 years providing they are willing to pay the required fee to Equifax or TransUnion,

By the way, how do you know that your Rogers account is statute barred? You provided no details on this account in your blog. And, for your information, Equifax does NOT report "date of last payment", but "date of last activity". And if you think that both of these phrases mean the same thing................THEY DON'T.

There are only two events that will reset the Limitation Period.

1. If you make a payment WITHIN the Limitation Period, which, in Ontaro is 2 years.

2, If you make a written acknowledgment of the debt and this written acknowledgment is signed by you WITHIN the Limitation Period.

Any other activity OUTSIDE the Limitation Period will NOT reset the Limitation Period.

Deanna Natale can do anything she wants including charging interest and assessing legal fees. Whether it stands up in a court of law is another matter.

Cheers

I have a stat barred debt from Rogers, One I never got around too disputing but do plan on doing so.

Due to the fact I never owed Rogers, The last payment on my Equifax is off by at least 5 months, *which correlates with the time i switched phone companies*. Do I need to provide my bank statement from 3 years ago, showing when last payment was?

Does this reset Statue of limitations? I switched phone companies from rogers to Cogeco. kept the same number. They were to cancel it and had to in order for me to keep the same Land line phone number. Yet I continued to get billed every month for this.

I am being told by Deanna Natale *lawyer* the debt is now 600.19 as OF EQUIFAX in June 2010 It was 598.. Can she add money to the debt? Can this be reported? Ive seen a lot of shady complaints as well as she was in court this month from professional misconduct in collecting debts.

Should I send her a cease and desist? ignore her threats of " legal action" since she can not sue me. Or should I send a letter and invite her to do so?

Also how did she find my address? The only thing I can see if I just had a mastercard a few months ago, then again Can she just do credit checks On me and make my credit score worst?

Thank you.