Posts: 13,897
Registered: ‎04-15-2011
Re: Long Time Lurker- Finally Decided to join and would like your valued opinions

Exactly.   Never acknowledge the debt.  Even if you pay it, don't acknowledge it.   You can put in the letter that this debt is near the CRTP limit and past the SOL.  That might give them a kick in the rear to accept it.   


Most mortgage lender will want collections paid, they don't want the possibility of liens being put on the property.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!