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Hi All! I'm hoping to get some opinions on this matter. I live in Louisiana. I had a VZW chargeoff for $235, with the DOFD being May 2011. The debt was eventually sold to Pinnacle Credit Services out of MN in Dec 2013 according to soft pulls. The first communication I ever received from this debt outside of VZW was from Retrieval Master's Creditor's Bureau (RMCB) in Jan 2014. I disputed within the 30 day window via fax. NOTE: I disputed with RMCB within the 30 day window before Pinnacle was ever on my credit reports. Also, VZW is no longer on my credit reports. They've deleted. A
Hello guys!!! I sent a DV to Pinnacle Credit. They sent me a response, but the response came from APM Financial Solution. They included Pinnacle Credit like a Client. In my credit report appear the follow info about this account (Pep Boys Credit Card): Date Opened: 04/2004 Date Reported: 12/2008 Date of Last Payment: 11/2005 Status: Charge Off In the response letter they mark the account like "Statute Date: 11/15/209 Out of Statute" It is Out of Statutes or no? What happen if the account is out of statutes? They delete or no? My next step? Thanks