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SOL on sending a DV letter


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I have been gone on active duty for a while. I just recently retired. After pulling my credit I find several CA's on it. I have never had a chance to validate any of these debts. can I still validate even after two years. The CA's are still reporting and updating my CR.

FCNB Master

shows zero balance closed/paid

charge off sold to another lender over 90 days late(I never made payment arragements.)

Opened 04/01/2001 last reported 05/01/2003

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