The Board members have proven themselves a powerful resource for solving problems and giving great counsel on a wide variety of topics. I now need some advice on the following situation.
Background:
Last month I am in the process of doing a refi and one of the credit reports comes back with a 740 while the other two are 800+. Refi is okay since the bank takes the middle score.
When checking why the low score, I find two very old (2005) parking tickets have been turned over to collections by City of Seattle. Turns out they are from a car I sold in 2004. I had sent in the notice of sale to State but apparently it never got there or the State dropped the ball. I had a bill of sales showing the sale date and sent it to the City. City responded that if the State did not show the transfer of title, I was stuck. When I finally got through to someone at the State Dept of Motor Vehicles they told me my original buyer had never any attempted to transfer title. In fact, the State showed the vehicle had been impounded in 2006 and sold at auction and retitled at that time. State indicated any notice I sale I would give them now would show the current date.
Collection agency has contacted me and wants $250 to clear the tickets and will not drop them without City of Seattle's approval (see above).
I successfully disputed the claim with the credit bureau and the infractions have been removed from the credit report.
It seems odd that the citizen has to prove something requiring action by US Mail and State govt to be complete. I do what I am suppose to but in a vacuum, assume State has updated their records. One of the lessons for member is that if you make a private vehicle sale, you better confirm your State actually did complete updating its records.
Question:
The infractions will probably not be dropped by collection agency for a couple more years and may be reported again to credit bureaus. Statutes of limitations in Wash do not apply to parking tickets. I do not expect to be in need of doing any refi or borrowing in the future. Is there any strong agreement to pay the Collection agency or to make any further effort to convince the City of Seattle to remove the tickets? I have a letter from my auto insurer confirming I dropped coverage at the time of sale but can think of no other way to “prove” vehicle sale. Any other ideas to prove sale from a 2004 event?
Thanks for any and all suggestions.
Nwsteve
Background:
Last month I am in the process of doing a refi and one of the credit reports comes back with a 740 while the other two are 800+. Refi is okay since the bank takes the middle score.
When checking why the low score, I find two very old (2005) parking tickets have been turned over to collections by City of Seattle. Turns out they are from a car I sold in 2004. I had sent in the notice of sale to State but apparently it never got there or the State dropped the ball. I had a bill of sales showing the sale date and sent it to the City. City responded that if the State did not show the transfer of title, I was stuck. When I finally got through to someone at the State Dept of Motor Vehicles they told me my original buyer had never any attempted to transfer title. In fact, the State showed the vehicle had been impounded in 2006 and sold at auction and retitled at that time. State indicated any notice I sale I would give them now would show the current date.
Collection agency has contacted me and wants $250 to clear the tickets and will not drop them without City of Seattle's approval (see above).
I successfully disputed the claim with the credit bureau and the infractions have been removed from the credit report.
It seems odd that the citizen has to prove something requiring action by US Mail and State govt to be complete. I do what I am suppose to but in a vacuum, assume State has updated their records. One of the lessons for member is that if you make a private vehicle sale, you better confirm your State actually did complete updating its records.
Question:
The infractions will probably not be dropped by collection agency for a couple more years and may be reported again to credit bureaus. Statutes of limitations in Wash do not apply to parking tickets. I do not expect to be in need of doing any refi or borrowing in the future. Is there any strong agreement to pay the Collection agency or to make any further effort to convince the City of Seattle to remove the tickets? I have a letter from my auto insurer confirming I dropped coverage at the time of sale but can think of no other way to “prove” vehicle sale. Any other ideas to prove sale from a 2004 event?
Thanks for any and all suggestions.
Nwsteve
