onesocksid Posted August 1, 2006 Report Share Posted August 1, 2006 Hello everyone,Im a newcomer to the website and hoping to clean up my credit a bit. I just got a call today from a CA stating either pay up or we sue. I believe the account my be past the SoL though but I'm not sure.OC: Ugly DucklingCA: Credit Solutions CorporationDate Opened: 5/1999Date Reported: 6/2006 (reported by who?)Last Payment: 12/2000My credit report shows that the account was put into Charged Off status on 1/2005 though.Any advice on what options I may have would be greatly appreciated. Thanx.Oh I'm in California by the way....believe the SoL is 4 years. Link to comment Share on other sites More sharing options...
willingtocope Posted August 2, 2006 Report Share Posted August 2, 2006 Welcome to the fray...I'm not sure about California SOL, and you'll need to check the specific wording of the statute, but its usually the "date of first delinquency" that determines the SOL. So, the question is...when were you last current? Link to comment Share on other sites More sharing options...
onesocksid Posted August 2, 2006 Author Report Share Posted August 2, 2006 thanx for the quick response...the SoL in California is 4 years.....the last payment I made was in 12/2000. According to all 3 credit reports the date of last activity was on 12/2000. Everything that I'm reading says that this is when the SoL begins, the date of "last activity". The thing I questions is the "Reported Date" of 6/2006. Link to comment Share on other sites More sharing options...
hinky Posted August 2, 2006 Report Share Posted August 2, 2006 Date last reported means just that. Ignore that part. If 12/2000 is really your DOLA then you can tell them to go pound sand (cease and desist letter). Have fun doing it! If you can't wait until 12/2007 for it to fall off, then you have leverage to try a PFD. Search PFD on the forum. Link to comment Share on other sites More sharing options...
onesocksid Posted August 2, 2006 Author Report Share Posted August 2, 2006 Excellent...thats what I thought...I'm going to send the cease and desist letter tomorrow...one question though (dont mean to sound lame) what is PFD...i've searched on the forum and cannot find that acronym anywhere. Link to comment Share on other sites More sharing options...
hinky Posted August 2, 2006 Report Share Posted August 2, 2006 Pay For Delete.http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=247970 Link to comment Share on other sites More sharing options...
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