After moving and settling in my third state with a steady job I am now ready to repair my credit. I have done so much research and have read so many blogs that my head is spinning and now I am confused and don't know where to start so any info or opinions would be helpful. Since I have had many addresses over the past few years I have not received any debt collector letters, but obviously have debt on my credit report. So without receiving letters that I am sure were sent I have missed the validation period correct?? Should I send validation letters? Ask for settlements? go with a credit repair company? have the credit reporting companies investigate the items? please help?!?
Good things to know are the DoFD of each account, SOL for suing for the state you reside in, if the debt is a collection, who owns the debt, the CA or the OC, who is reporting the debt, the OC, CA or both.
Each of the above can be a factor in how you tackle each TL.