TexanNCali 2 Posted January 22, 2014 Report Share Posted January 22, 2014 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! Quote Link to post Share on other sites
BV80 2,839 Posted January 22, 2014 Report Share Posted January 22, 2014 @TexanNCali Did you ever have a Cap1 account? Quote Link to post Share on other sites
TexanNCali 2 Posted January 22, 2014 Author Report Share Posted January 22, 2014 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. Quote Link to post Share on other sites
BV80 2,839 Posted January 22, 2014 Report Share Posted January 22, 2014 @TexanNCali 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. Quote Link to post Share on other sites
TexanNCali 2 Posted January 23, 2014 Author Report Share Posted January 23, 2014 Thanks for your input. Quote Link to post Share on other sites
admin 902 Posted January 24, 2014 Report Share Posted January 24, 2014 So it's not on your credit report? Quote Link to post Share on other sites
TexanNCali 2 Posted February 6, 2014 Author Report Share Posted February 6, 2014 So it's not on your credit report?No it's not. Quote Link to post Share on other sites
admin 902 Posted February 6, 2014 Report Share Posted February 6, 2014 I agree with @BV80 - it's a waiting game on this debt. I think you are safe though. Keep monitoring your credit report and see what happens Quote Link to post Share on other sites
TexanNCali 2 Posted February 10, 2014 Author Report Share Posted February 10, 2014 Ok. Thanks for responding. Quote Link to post Share on other sites
