Determing SOL and DOFD after receiving dunning letter, Debt not being reported on CR

Recommended Posts

First of all I would like to say THANK YOU! This forum and its members have provided me with so much guidance and advice. I am proud to report that I have 0 negatives on my EXP CR. I couldn't have done it without this forum. With a lot of research, patience, and money for those CMRRR letters you too can improve your credit history. If I can do it, so can you!!!


Today I received a dunning letter from Northland Group Inc. The original creditor is listed as Capital One but the current owner is Galaxy International Purchasing. Unfortunately, I do not know if this debt is mine. Awhile back a family member began using my social. When I found out it was too late and my credit repair efforts started.


The dunning letter includes a past due amount and a substantially lower settlement offer. It also includes the last 4 digits of the original account number. Although, that's not very helpful when the CRA's do not list the last 4 digits of account numbers. After checking my EXP CR, this debt is currently not being reported. But I did notice an inquiry (did not impact score) from Northland right before the dunning letter was sent.


Over the last year, I have closely monitored my CR's and have never seen a CO from Capital One or anything resembling this debt. In fact, I have an unrelated Capital One account in great standing. My CL was just increased on this account.


I have written a simple, validation letter and will send it CMRRR. I am still well within the 30 day allotted time to request this information. However, I have a few questions. How can I find out the SOL of this debt and the DOFD? I am under the impression that this must be an old debt, past the reporting period. The dunning letter makes no mention of this debt being placed on my CR. I've received a few DL's in my life and when allowed the CA loves to mention that the debt is/will be placed on your CR.  


I guess time will tell. Any suggestions, comments, or advice is always appreciated. Thanks!

Link to post
Share on other sites

Yes I have. I currently have a Cap1 account in great standing. As I mentioned above, I just received a CL increase on that account. Any other Cap1 accounts might be from college but I graduated in 2003 lol! Those accounts would have been PIF or are way past the reporting period.

Link to post
Share on other sites



Then, of course, this can't be based upon your current account.


Since the account is not yours and is not on your CR, then there's no way to find out the DOFD.  Wait to see what the JDB provides IF they respond to your DV request.


FYI, since it appears that you've sent a timely DV request (within 30 days of receiving their 1st dunning letter), they cannot ask for money before they provide validation.


Right now, this is a waiting game.  Wait to see if they validate, and what they provide.

Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.