Rebuilding Your Credit

[Newblood]

I had a collection show up today with EOS CCA for an old AT&T bill from 2005. I read that there is a federal sol on this debt of two years. Is this correct? Thanks in advance.

[diabla]

I've never heard of that but it would be great for a lot of people if true, however, it could probably still report for the full 7.  BUT a bill from 2005 is probably past SOL anyway and definitely at the 7 year mark for the CRA, correct?  What's the SOL for your state?  And is 2005 when the bill went past due?

[Jutz]

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diabla wrote:

I've never heard of that but it would be great for a lot of people if true, however, it could probably still report for the full 7.  BUT a bill from 2005 is probably past SOL anyway and definitely at the 7 year mark for the CRA, correct?  What's the SOL for your state?  And is 2005 when the bill went past due?

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Yeah, this part is most important, is 2005 when it was opened, or when it reported as DOFD.  If it is DOFD, then there's at most two months left reporting.

[Newblood]

Spoke to the collections agency and they said the debt was from 2009. What would you suggest I do next?

[Jutz]

Send a DV or debt validation letter.  Keep in mind AT&T was a different company in 2005 than it is now, so it may be more difficult for them to validate.  Assuming it comes back validated, offer a pay for delete.

[rckstrscott]

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Jutz wrote:

Send a DV or debt validation letter.  Keep in mind AT&T was a different company in 2005 than it is now, so it may be more difficult for them to validate.  Assuming it comes back validated, offer a pay for delete.

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EOS-CCA has been placing TONS of iffy ATT debt on credit files... check your PM, I sent you a solid contact within EOS-CCA.. email them and question the debt validity... you will get it removed..

-scott