Perhaps ask iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency to validate when the last payment was made, and have them also supply documentation to validate that data.

Once that's in hand, then determine what you want to do. Until that's in your hand, it'd probably be wise to hold off on any offer. From what I've been led to understand by reading other posts on this site, if iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency cannot produce the documentation which validates their position, you may be able to have Equifax and TransUnion adjust your credit report accordingly.

Good Luck!

Ottawa_Chap

Ok, in response to my old mailing -

I subscribe to a credit reporting service with equifax and I got an update today that iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency has just reported this account to collections with them. But the dates don't jive with dates reported with Transunion?

Equifax says:

Date Reported: 06-2007

Date of Last Activity: 11-2002

Transunion Says
Date Reported: 06-2007
Date Reviewed: Sept 01, 2007

Ok, if I understand correctly for items in collections, they are only listed on your credit file from Date of Last Activity (should be 11-2002).

What does this mean with the Transunion file? I just mailed in a dispute to this item on my credit file but now the information I have may be wrong?

Do I contact them ( iQor, Inc formerly iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency - Canadian Bonded Credit Limited - Now Iqor Collection Agency ) or just contact Transunion? Would it be prudent of me to just leave it, or perhaps make iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency a really lowball offer to make it go away early as I am in a financial position to do so as it (is it) expiring and disappearing in November?

ideas please?

Nope, dispute it with the credit reporting agency

Hi all, I've been reading for some time but this is my first post / question.

Ok, here's the deal, 6 years ago I made the brilliant mistake of cosigning a friend of mine's cell phone account on fido. To make matters more interesting I had declared bankruptcy some time before then. Ok. I pulled my credit file last year and this "mistake" shows as MJR Microcell Account closed, and then a CBV Coll Svcs file was opened / reported for 2004. Here's where it gets interesting. This year I pull my file and it has now moved to iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency but the date reported is June 2007?

My question is, are they allowed to re-report accounts from in this case 4 years ago to extend the 6 year collection period? How does this work? Can they keep swapping debt collection agencies to keep exending the dates?