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scorpios_rule

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Posts posted by scorpios_rule

  1.  

    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.

    If

    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!

    Lupe

  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

    Lupe

     

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