What to do with accounts that has passed the SOL?

boosted · ‎12-10-2013

I have 3 collection accounts that are past the SOL. should i send a DV letter or a PFD letter?

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Started my credit repair journey on 11/29/13 with 27 collection accounts with 24 being medical related, 1 cellphone account, 1 bank account and 1 cable TV account.
Starting scores are EQ 506, TU 516, EX 477.
First PFD letter sent out on 12/2/13/ Response on 12/5/13 agreeing to the terms of letter.
Second PFD letter sent out on 12/2/13/ Still waiting on a response.

DaBears · ‎12-10-2013

If you know they are yours I would send a PFD. Depending when they sent the dunning notices, by you sending a DV would be probably considered untimely and they do not have to respond to them.

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boosted · ‎12-10-2013

Okay Thanks!

_______________________________________________________
Started my credit repair journey on 11/29/13 with 27 collection accounts with 24 being medical related, 1 cellphone account, 1 bank account and 1 cable TV account.
Starting scores are EQ 506, TU 516, EX 477.
First PFD letter sent out on 12/2/13/ Response on 12/5/13 agreeing to the terms of letter.
Second PFD letter sent out on 12/2/13/ Still waiting on a response.

SunriseEarth · ‎12-11-2013

@DaBears wrote:
If you know they are yours I would send a PFD. Depending when they sent the dunning notices, by you sending a DV would be probably considered untimely and they do not have to respond to them.

+1