01-13-2013 01:30 AM
I had a Capital One CC that was opened in 2003, I was 19. Long since charged off and closed. 5 months ago I get a collection settlement request from Midland Funding. Where do I start? Is this passed SOL? Will this collection account stay on now for 7 years? How do I start to attack this? I can provide more information if needed, any help appreciated. I have a USAA CreditCheck Monitoring subscription, so I can dispute. I just don't know on what grounds to even start.