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Account is scheduled to continue on record until?

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Holly1221
Regular Contributor

Re: Account is scheduled to continue on record until?

I have a couple that fell off a few months ago & the CA (Portfolio Recovery) keeps calling & sending me notices to "pay now to get a discount".  I can't find original bill with US Cellular but I found an old credit report that said it was to fall off 2/2010.  I don't want to send a CD letter yet since I'm in the "end stages" of a mortgage & have repeatedely told them not to call me again as it's beyond the SOL (at least I "think" so ??!!).  Should I wait til after mortgage is APPROVED (speaking it into existence)?

12/27/11: EQ 618 / TU 621 / EX 643 (lender pull for CLOSING!)
MYFICO: EQ 618 / TU 610 on 12-07-11
MyFico EQ: 603 on 12-01-11
Current: 594 EQ/ 616 EX/ 599 TU (lender pulls 11-28-11)
Previous: 555 EQ/ 552 EX/ 573 TU (lender pulls 10-28-11)
GOAL: NEW HOUSE ...GOT IT ON 01/27/12
2012 GOAL: 750
Message 11 of 13
hoping2rebuild
Established Contributor

Re: Account is scheduled to continue on record until?


@Holly1221 wrote:

I have a couple that fell off a few months ago & the CA (Portfolio Recovery) keeps calling & sending me notices to "pay now to get a discount".  I can't find original bill with US Cellular but I found an old credit report that said it was to fall off 2/2010.  I don't want to send a CD letter yet since I'm in the "end stages" of a mortgage & have repeatedely told them not to call me again as it's beyond the SOL (at least I "think" so ??!!).  Should I wait til after mortgage is APPROVED (speaking it into existence)?


What state are you in?

Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Message 12 of 13
Holly1221
Regular Contributor

Re: Account is scheduled to continue on record until?

I live in Indiana. 

12/27/11: EQ 618 / TU 621 / EX 643 (lender pull for CLOSING!)
MYFICO: EQ 618 / TU 610 on 12-07-11
MyFico EQ: 603 on 12-01-11
Current: 594 EQ/ 616 EX/ 599 TU (lender pulls 11-28-11)
Previous: 555 EQ/ 552 EX/ 573 TU (lender pulls 10-28-11)
GOAL: NEW HOUSE ...GOT IT ON 01/27/12
2012 GOAL: 750
Message 13 of 13
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