thanks sidewinder....again...really appreciate it!

i always thought i was beyond SOL.....everyone i have asked says that i am with the dates i have.  how can i know for sure i am beyond SOL? Texas SOL is 4 years i think....Cal is 3 years...and both of these accounts are due to come off in 2010 if i go by what TU says......now you have me worried

when you say you would deal with midland hard.....what would you do?  what actions would you take?  PFD letters if they come back and verify the account after i have sent them a DV letter certified?

had a citi account years ago & it's reporting as a positive on my account.

midland says they are collecting on another citi account - only midland is showing on my report for this, citi does not show up....i do not receive anything from citi

capital one is still reporting a balance.....with my dates i must be out of SOL.....i mean it's set to drop in 2010.

should i be worried about sending them a FCRA 623?

i have been disputing these accounts for about a year now.