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So I got this settlement offer from Total Card Systems

Epic Contributor

Re: ugh!

Send them a DV letter.  They may not respond due the age of the debt.  Keep it simple.  You claim I owe you this debt, please validate,.

 

Cap One seems to keep records FOREVER.  I would contact them and see what they may have.  It is possible someone committed fraud and opened one in your name.

 

 

 

 

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