DRS has been stalking me about a 1999 charged off account they bought in 2002. It is no longer on my credit report. SOL has passed. So basically, they just call, hoping one day I will get annoyed enough to just pay them the $150. I usually don't pick up the phone but now I want them to stop calling completely. So yesterday, I returned a call to a "Nancy Miller", and requested a debt validation letter. They said I will get it in about 8 weeks, I want to send a FOAD letter. What is the best way to hanlde this situation and not have it affect my credit report in any way?
"This is well past the statute of limitations and the reporting guidelines in the FCRA. I formally request that you cease contacting me via phone and mail until such a time when this is of relevance to me."
Starting Score: EQ 583 TU04 619 EX 592 (lender pull) 2010 Previous High Score: EQ 700 TU04 712 EX 726 Current Score: EQ 740 TU(Discover) 750 EX(AMEX) 747 Goal Score: 740+ all around
Yes send that FOAD (cease and desist) letter, i dont think you necessarily had to send them a DV letter since they are not reporting. This debt is so far beyond the 7.5 year period so they have no need to harass you. They are just being jackasses. I wouldnt pay them a dime! Good Luck.
Starting Score: EQ 583 TU04 619 EX 592 (lender pull) 2010