Utility Co is oral or open end contract?

[octavia]

I have a Harvard collection (OC Commonwealth Edison electricity) listed as "assigned" in 3/2003. 

As far as SOL, is this an oral or open end contract? In Illinois SOL for both are 5 years. I know that either way, I have one more year at least.

I was considering first calling ComEd for DOFD and then DVing Harvard Collection to see if by any chance I could get this collection removed.

Any advice is appreciated.

Thanks in advance.

[Anonymous]

I can tell you from experience that they will do a PFD. They accepted 50% on a $1080 bill I had with them from 2003. Harvard was actually pretty decent to me. They do not own the debt they just collect for COMED.

[octavia]

Thanks for your response.

Did you pay Harvard or ComEd?  Did they delete the collection from your CR?

[Anonymous]

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octavia wrote:

Thanks for your response.

Did you pay Harvard or ComEd?  Did they delete the collection from your CR?

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read this thread for newbies...it includes abbrevs.

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=4328

Bam said in his post. harvard is a CA...he sent a PDF to them!  CA=collection agency.....PDF=paid for delete.    so it was deleted from his CR

[Anonymous]

Correct Happy....I paid Harvard actually in their office when I went back to Chicago for a visit. It took a couple weeks before the collection was removed from all of my reports.