gumshoe Posted August 8, 2003 Report Share Posted August 8, 2003 I just pulled my EQ FICO-534.. and I noticed that RMA had an iquiry on my report. From all of the talk I assume they purchased my old Sears account which currently showing a o balance. How can you know when the SOL has expired. The last date of activity was June 1999. North Carolina SOL's for opened-accounts is 3 years which mean this expired last year (2002). What should I tell RMA if they try to contact me? Also I have a Providian account and the last date of activity was July 2001. One more year and that SOL expires? Right. Any help would be greatly appreciated. Link to comment Share on other sites More sharing options...
gumshoe Posted August 12, 2003 Author Report Share Posted August 12, 2003 What about the SOL Link to comment Share on other sites More sharing options...
md Posted August 12, 2003 Report Share Posted August 12, 2003 You can send them a DV letter and a limited C&D (contact by mail only). If they can't validate then you should be able to get it off of your credit report. If they do validate, you will just have to dispute it every once in a while and hope that it will eventually fall off. Also, if this is the case you will want to send a full C&D since communication with them will be meaningless since they can't win a lawsuit against you if you use the SOL as your defense. Link to comment Share on other sites More sharing options...
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