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I need some help here:
Can you tell me do I have to follow my state of SOL before I send a PFD letter? and
Is it ok to pay the OR or the CA and once you pay the debt how long does it take to get off your CR with all agencies (TU, EQ, EX)
Collection is 5-7 years I think depending on state your in. from original date of report
Waiting for the Sol to expire prevents the retaliation of successful adverse (legal) action against you. Now this is only if you use sol as a defense. Keep in mind not every situation is the same for instance if the debt is a relative small amount under a grand per say and relatively new where it hasn't gained too much interest it would be better to pfd right away anyway with little to no concern for Sol.