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The original debt was made in 1992 but they did not send it to collections until 2001.
Sorry I don't know all the abbreviations that you used... DOFD ,SOL, FDCPA, CA, DV, CRTP.
Please spell it out for me lol.
@Anonymous wrote:The original debt was made in 1992 but they did not send it to collections until 2001.
Sorry I don't know all the abbreviations that you used... DOFD ,SOL, FDCPA, CA, DV, CRTP.
Please spell it out for me lol.
There's a thread about abbreviations around here somewhere as well as a "Credit 101" thread - check out both, soon. In the meantime:
DOFD - Date of First Delinquency - this is the first time you missed a payment and never got caught up. If your last payment made was in 1992 or somewhere in the 1990s, then they cannot sue you for this debt and cannot put back on your credit reports.
You can ignore or send a FOAD letter. I won't spell that one out, but it's a not-so-nice way of saying "Get Lost".
At the risk of repeating what Shnapple just said...
I'd suggest reading the following:
Common Abbreviations
Credit Scoring 101 - great for knowing what is in your credit score and to see how your score is impacted.
and What Steps Do I Take - great for learning the repair process.
To make sure, would this happen to be a medical debt or a student loan?