Advice on how to approach this?

[Anonymous]

So me and my wife are recently married, We are going through our credit reports so we can secure a mortgage and buy a home. I have 4 accounts in collections reporting. My question is how should I approach them. Simply pay them off, send a debt validation letter, pay for delete? Debts are as follows,

Capital credit $1,388 opened February 28th 2011 (5yrs 11mo)

Quick collect $159 unknown

Professional credit $125 opened June 12th 2015 (4yrs 8mo)

Professional credit $163 unknown

Any advice would be greatly appreciated

[stellar]

Are you certain they are yours or uncertain? 

If they are yours then try to get a pay for delete.  That way they are not harming your credit score/report anymore.

If they don't pfd, you can try to pay in full and then send them goodwill letters/calls.

[Anonymous]

I believe they are mine. Sounds like tomorrow I'll put together some PFD letters. Should I leave the capital credit alone considering the statue of limitations is 6 years in Oregon?

[rmduhon]

Some states use Date of First Delinquency or Date of Last Activity as the basis for SOL. You need to find out what your state uses.

[stargazer25]

SOL affects the ability to get sued. The debt will remain on your CR for another year past that. Just an FYI.