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  1. First of all I would like to say THANK YOU! This forum and its members have provided me with so much guidance and advice. I am proud to report that I have 0 negatives on my EXP CR. I couldn't have done it without this forum. With a lot of research, patience, and money for those CMRRR letters you too can improve your credit history. If I can do it, so can you!!! Today I received a dunning letter from Northland Group Inc. The original creditor is listed as Capital One but the current owner is Galaxy International Purchasing. Unfortunately, I do not know if this debt is mine. Awhile back a family member began using my social. When I found out it was too late and my credit repair efforts started. The dunning letter includes a past due amount and a substantially lower settlement offer. It also includes the last 4 digits of the original account number. Although, that's not very helpful when the CRA's do not list the last 4 digits of account numbers. After checking my EXP CR, this debt is currently not being reported. But I did notice an inquiry (did not impact score) from Northland right before the dunning letter was sent. Over the last year, I have closely monitored my CR's and have never seen a CO from Capital One or anything resembling this debt. In fact, I have an unrelated Capital One account in great standing. My CL was just increased on this account. I have written a simple, validation letter and will send it CMRRR. I am still well within the 30 day allotted time to request this information. However, I have a few questions. How can I find out the SOL of this debt and the DOFD? I am under the impression that this must be an old debt, past the reporting period. The dunning letter makes no mention of this debt being placed on my CR. I've received a few DL's in my life and when allowed the CA loves to mention that the debt is/will be placed on your CR. I guess time will tell. Any suggestions, comments, or advice is always appreciated. Thanks!
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