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  1. First, thanks to all for any help here. I am trying to buy a house. The following are a stumbling block for me on my CR's: A report from CACH LLC re; a Wells Fargo debt they purchased (amount $8,000). I sent a DV letter over 2 years ago with no response. Last payment made on account 07/2011. Also a BofA CC acc't shown to be charged off. (amount $25,000) last payment made 08/2009, beyond the SOL for the state of California. Any suggestions? Should CACH have reported this debt to the CR when they haven't proved ownership of the debt? Should BofA remove this because of the SOL? Thanks again!