Help from HappyDays, Illecs, etc......would be greatly appreciated. It would suck if I took a step in the wrong direction. 
Chadius
Please?
@Anonymous wrote:The federal SOL on all phones is 2 years from DOFD. federal law always trumps state.
First premier is the OC and can not be changed!
Look at the 2 CAs reporting for the open date. That would be the original CA assigned or bought the account. Only 1 CA can report!
Is premier reporting? If so what is the drop date reported? The CO date has to be later then the DOFD.
Mail both of them a DV CMRRR use the account # that is on your CR. For Arrow answer the call & ask for their addy. Make like you will mail them a check. Also mail the past SOL letter with the DV.
T-Mobile....should delete this year. You can mail them a DV along with the past SOL letter....CMRRR
Pay day loan....check to see if your state has special laws dealing with this.
All collections must delete 7 - 7.5 years from DOFD not CO date. The OC sets the DOFD.
You can call the phone company and see when you made your last payment and ask for the last 3 bills to be mailed to you.
DVs are always mailed to the addy on your CR UNLESS it is not reporting and you get a call or letter.
Do not think of a PFD until the CA answers the DV. When past SOL it is easier to get them to accept a PFD.(only if they own the account) IF the account is owned by the OC.....try to get them to pull the assignment from the CA. (in writing only)
First premier is on my credit report with a charge off in 2004. Arrow is reprting as a collection agency. Capitol is collecting for them. Experian says that it was charged off as of May of 2005.
Here is what the credit report actually says:
FIRST PREMIER BANK
Address:
601 S MINNESOTA AVE
SIOUX FALLS, SD 57104
(800) 987-5521 Account Number:
XXXXXXXXXXXXXXXX
Address Identification Number: 0137155973
Status:
Transferred,closed. $495 written off.
Date Opened:
09/2004 Date of Status:
06/2007 Reported Since:
08/2004 Last Reported Date:
06/2007
Type:
Revolving Terms:
N/A Monthly Payment:
$0 Responsibility:
Individual
Credit Limit:
$250 High Balance:
$495 Recent Balance:
N/A Recent Payment:
N/A
Creditor's Statement:
Purchased by another lender.
Account History:
Charge Off as of May 2007, Jun 2005, May 2005
90 days past due as of Apr 2005
60 days past due as of Mar 2005
30 days past due as of Feb 2005
What exactly is an SOL letter?
None of my OC's will pull back, because they said they sold the debt....and it is out of there concern.
Basically what your saying, is to DV all of them? right?
@Chadius wrote:First premier is on my credit report with a charge off in 2004. Arrow is reprting as a collection agency. Capitol is collecting for them. Experian says that it was charged off as of May of 2005.
Here is what the credit report actually says:
FIRST PREMIER BANK
Address:
601 S MINNESOTA AVE
SIOUX FALLS, SD 57104
(800) 987-5521 Account Number:
XXXXXXXXXXXXXXXX
Address Identification Number: 0137155973
Status:
Transferred,closed. $495 written off.
Date Opened:
09/2004 Date of Status:
06/2007 Reported Since:
08/2004 Last Reported Date:
06/2007
Type:
Revolving Terms:
N/A Monthly Payment:
$0 Responsibility:
Individual
Credit Limit:
$250 High Balance:
$495 Recent Balance:
N/A Recent Payment:
N/A
Creditor's Statement:
Purchased by another lender.
Account History:
Charge Off as of May 2007, Jun 2005, May 2005
90 days past due as of Apr 2005
60 days past due as of Mar 2005
30 days past due as of Feb 2005
What exactly is an SOL letter?
None of my OC's will pull back, because they said they sold the debt....and it is out of there concern.
Basically what your saying, is to DV all of them? right?
January 05 is your DOFD. So....Jan 2012 is the drop off date for this acct.
SOL - Statute of Limitations. Let them know this acct has gone FAR past Fed SOL and must be removed.
You can search the forums (or even google) for examples of SOL letters. Just be sure to include relevant acct #'s & such. (no signature)
DV all except the OC. And never sign these....Type name only