Jump to content


  • Posts

  • Joined

  • Last visited

Posts posted by scorpios_rule


    Hi Clydesmom!


    Thank you for your response.

    I am careful about cutting and pasting, I understand that the letter is only an example, and I would need to rewrite to fit my particular needs.  I read the article and the letter numerous times, however your explanation made the most sense.

    I appreciate your time in helping me.


    • Like 1
  2. Speaking of the FDCPA.. If the statue of limitations has matured on a debt/creditor, in CA its 4 years,  wouldn't I be able to write a letter to the creditor and explain that the SOL has matured and that they need to remove it from my credit report?  I was hoping I can use the Zombie Letter on this website (http://www.creditinfocenter.com/forms/sampleletter20.shtml) to get some of these old debts from 2012 and older removed? Or I am misunderstanding the article?:confused:

    I  do understand that the SOL and the 7 year credit reporting period have nothing to do with each other.

    Just trying to get it right before I stick my foot in my mouth! lol!

    Thanks for your time 

  3. 2 minutes ago, BV80 said:

    Debt validation is only valid when sent in response to a first (initial) communication (usually a debt collection letter) from a collection agency.   An item on a credit report is not considered an initial communication.

    In regard to the SOL, items are allowed to remain for 7 years from the date of first delinquency or charge-off.   The state law SOLs for collection have nothing to do with the 7-year reporting period.


    you believe any part of the items are being reported incorrectly, dispute the inaccuracy with the credit reporting agency.

    Oh ...I thought the SOL in California was 4 years? my bad:shock:  it sounds like I would be better off taking care of the collection items at this point.

    Thanks again!


  4. Hi there

    I just need some advice; I have a copy of all 3 credit reports. There are some items that are from 2013 or older. I'd like to know which option would be best either

    do a DV or exercise the Status of Limitations? I am leaning towards the Statue ..but like some advice before proceeding.

    Thank you very much your time



  • Create New...