It's a small amount.  And I serioulsy doubt it's past the SOL it being less than 2 years old.  I would try a PFD.

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Starting Score: 504

Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
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Shogun wrote:

It's a small amount.  And I serioulsy doubt it's past the SOL it being less than 2 years old.  I would try a PFD.

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+1 I would start with 75% to make this go away quick

OK, thank you beb.  I was actually thinking about doing %100, but if you think they will take %75 then I will start with that.

In your situation, the issue of expiration of SOL would not be my primary concern.

It is totally unrelated to credit reporting, and with that recent a DOFD, it has a long time to continue its credit scoring damage.  Expiration of a state statute of limitations is not basis for compelling deletion of any accurate credit reporting.

Even if still within SOL and they were to initiate legal action, you can always simply PIF before trial, eliminating a judgment being rendered by the court.

A PFD offer, while always iffy, settles the whole matter, if accepted.  The debt is satisfied, and CR exclusion is achieved.

I would make that offer.

The so-called HIPAA process has not, to my knowledge, as yet been affirmed as binding legal interpretation of the HIPAA statute in any jurisdiction.

Even if it were to be affirmed by a trial court, it would only become precedental once affirmed on appeal, and then only in that jurisdiction.

So it remains a legally undecided interpretation of the HIPAA statute that would not, in my opinion, be my bedrock in pursuing credit report deletion.

Thank you RobertEG.

I saw on my EQ report where DOFD was 11/2010, I thought maybe in 11/2013 the SOL would be up and I could dispute, but now I see "Expiration of a state statute of limitations is not basis for compelling deletion of any accurate credit reporting."  I am still learning what the best approach is for CR exclusion.

"So it remains a legally undecided interpretation of the HIPAA statute that would not, in my opinion, be my bedrock in pursuing credit report deletion."  A suggested reading from this forum was to google 'whychat' and HIPAA, they make it seem like it is a golden egg for removing medical CA's.

I do not want to "get one over" on any legitimate debt.  I am starting a new job Monday.  I will be financially ready in the next month or two to take responsibility.  My past has been rough, but things are starting to look up 

With the SOL expiring, that would not be a reason for dispute.  The debt would still be valid, they could still attempt to collect and could still post to your CR.  It would only mean they couldn't use the court system to get their money.

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Starting Score: 504

Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
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