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Justmyluck724's Achievements


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  1. Thank you for your reply. The original creditor is Capital One. I was under the assumption the SOL started on the date of last payment. Is it 30 days after? Also you said the validation letter only needs to be one sentence? Can you give me an example of what that should say? Thanks so much!
  2. I have an account with Portfolio Recovery. Balance $1800. The SOL on this account expires in 4 months: I just received a letter stating my account has been transferred to their litigation department but no attorney has reviewed the file. I don’t know if I should go ahead and make payment arrangements at this point or what I should do since I’m so close to the SOL. The SOL in my state is 3 years and the last payment was made in August of 2016. Has anyone received a letter from Portfolio showing it was transferred to litigation and not later been sued? Any advice is greatly appreciated!
  3. I know this is an older post but I’m dealing with the same scenario. Just received a letter from Portfolio saying my account with a $1800 balance has been transferred to their litigation department. It does state that no lawyer has yet reviewed the file. Was curious if they ever did sue you for your account? I’m only 4 months away from the SOL and don’t know what to do..
  4. I received a settlement offer for a Target account that is 3 years old. It is for a very low amount and the account is still owned by Target financial. My question is if I send the payment to settle this account in full will it restart the 7 years on my credit report? I’m asking because I was on a payment plan with another creditor and they re-aged the account after my last payment which caused an additional 2 years to be added to how long it will now be reporting. Appreciate anyone that can help answer this. I am in SC.
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