CA hard pull for debt past the SOL?

[fuzzybean]

I guess I've been talking to my friend too much about my credit report woes.  Now, she has a question after deciding to check her own CR.

She found a hard pull from a CA in August on a debt that is past the SOL.  But, not old enough yet to fall off her report.  She sent a DV letter, but got no reply and it's still showing.  Only Equifax is reporting it.  What's her next step?  It is not a medical bill so HIPPA won't do the trick.  And, it's too much for her to PFD.

And, the original creditor is not showing on her CR.

[Shogun]

If she can't pay it, and they're not reporting or harassing her for payment, my suggestion at this time would be to leave it be.

[fuzzybean]

She would like to try to have it removed and that's her choice.  I'm trying to help her find a way, not tell her what to do with it.  She asked me to post so I am.

[Shogun]

Is there anything that's not reporting correctly on it that would warrant a dispute?   Other than that, I don't see any possible way.  GW wouldn't work because I doubt they'd delete an unpaid account.  Maybe if she's sure it's past the SOL, she can offer a percentage of the bill for a PFD, just depends on how much she can afford.

[fuzzybean]

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@Shogun wrote:

Is there anything that's not reporting correctly on it that would warrant a dispute?   Other than that, I don't see any possible way.  GW wouldn't work because I doubt they'd delete an unpaid account.  Maybe if she's sure it's past the SOL, she can offer a percentage of the bill for a PFD, just depends on how much she can afford.

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I'm not sure about your first question.  I didn't ask.  The debt is for $2900.  I don't have any experience with PFD, but what % would she need to offer?  Yes, she's 100% sure it's past the SOL.

[Shogun]

Debt is for $2900?   Offer them $300, see what they counter.  At least they would get something, and she would get it off her CR.

[fuzzybean]

I just emailed her your suggestion, along with some links for for how to write the letter.

[Shogun]

Sounds good, good luck to your friend.