Re: PFD after SOL is up just to make it gone?
01-07-2013 10:08 AM
The SOL in MN is 6 years for all debt. So you can be sued for this (contractual debt) for that time frame. I would offer a pay for deletion, and start at 50% of the balance. Do not pay until they agree to delete future and past reporting from all 3 CRAs. You will most likley have to pay the full balance to get a PFD in this case though.
Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Current Score: EQ 548 (Myfico) TU 655 (Walmart) CK 672 EX?? CS 642
Goal Score: For now: 640s
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