christophera

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About christophera

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  1. And I send it to equifax, experian, and transunion, not cavalry, correct?
  2. Ok, thank you. I don't mean to sound like an idiot here, but I don't want to make any mistakes.... I would just send them a letter with my name, ss#, and the account information and tell them I am disputing it and request they take it off because it is too old to report?
  3. hmm, on Equifax (haven't tried others yet), I have to select one of the checkboxes. Do you have a recommendation there? 'Too old' is not amongst the options...
  4. Thank you fisthardcheese and shelliah98. Sorry for the late reply here, my home was flooded in hurricane matthew and been juggling lots of things. So.... I've gone through my credit reports (this debt is the only negative I have). The default date is correct and the amount is unchanged from the original debt. Would you still dispute it as too old and hope they just drop it? Seems like that would just make them hold on tighter knowing that I was looking at it.... Thanks again for your thoughts on this.
  5. I have a debt of $6500 that went into collection with Calvary a long time ago, it's set to drop off my credit report (7 year time limit) in July 2017. The debt is way past my state's statue of limitations. My wife and I will be buying a house and I'd like that loan to be in both our names, but I would need to get this debt off my report. Is it worthwhile to offer Calvary a low amount, $500, to delete it from my report? Do they ever go for something like that? If so, how do I go about offering it to them? It's not worth me paying thousands, we'll just put the mortgage in my wife's name rather than do that, but for $500 or so, if I could put it in both our names it would be worthwhile. Thanks for any thoughts on this.
  6. Oh, that's interesting. I figured since they were so big they would have all their t's crossed and i's dotted. I though the DV would help me root out if they didn't have what they were required to have. But not the way it works, huhm... Since they haven't really harassed me about it (to my surprise), what could they be violating, and how would I find out about it? Thanks for your help with this. I really appreciate it.
  7. Hi all, I have an old debt (about $6000) from a Chase credit card, the collection has been placed with Calvary Portfolio. Calvary has not harassed me about it. Just a letter or two in the last 6 months. I think it is time-barred Last payment was on 9/2010, I'm in Florida. I've read conflicting info on the Florida SOL, either 4 or 5 years. I'd like to repair my credit report and this is the only negative item on it. I can not afford to pay for delete, but would certainly like to start afresh. It is estimated to drop off my credit report on 8/2017. It is worth sending a debt validation request to Calvary to see if they have what is required and ask them to remove it from my credit report if they don't? Considering it is Chase and them, I would expect they would be very organized and have what they are required to, no? If I send a DV letter, might I be opening a can of worms and end up later regretting that I stirred the hornet's nest, since they are currently leaving me alone except for the bad credit report? Thanks for any thoughts on this.