https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/What-to-do-with-this-collection/m-p/568181#M82148 When the SOL expires they can not bring a suit against you and win if you show up in court and use expired SOL as a defense. Sat, 05 Sep 2009 10:04:04 GMT Anonymous 2009-09-05T10:04:04Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/What-to-do-with-this-collection/m-p/568150#M82139 <P>I have an aspen credit card thats closed with a recent balance of 1021 dollars. Opened nov 2006 last report date was this month. Its my only revolving credit thing on my CR. I dont think a dv would matter since i know thats what i owe and that the debt is mine. should i send a PFD? could i pay monthly and have them report current payments?</P><P>&nbsp;</P><P>EX-547</P> Sat, 05 Sep 2009 06:33:36 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/What-to-do-with-this-collection/m-p/568150#M82139 wildstang 2009-09-05T06:33:36Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/What-to-do-with-this-collection/m-p/568159#M82142 <P>Welcome to the forums</P><P>&nbsp;</P><P>Need just a little more info</P><P>&nbsp;</P><P>Is the account still with the OC or have you heard from a CA?</P><P>&nbsp;</P><P>Whats the DOFD for the account ?</P><P>&nbsp;</P><P>And the SOL for your state?</P> Sat, 05 Sep 2009 06:57:20 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/What-to-do-with-this-collection/m-p/568159#M82142 LIGHTNIN 2009-09-05T06:57:20Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/What-to-do-with-this-collection/m-p/568161#M82143 <P>the account is still with the OC, i dont think they have an internal collection department. the DOFD is june 2007</P><P>&nbsp;</P><P>the SOL is 7 years in wa</P> Sat, 05 Sep 2009 07:00:33 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/What-to-do-with-this-collection/m-p/568161#M82143 wildstang 2009-09-05T07:00:33Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/What-to-do-with-this-collection/m-p/568178#M82146 <P>SOL for CC debt in WA state is 3 years.&nbsp;</P><P>&nbsp;</P><P>All negative items stay on your CR for 7 - 7.5 years.</P> Sat, 05 Sep 2009 08:57:27 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/What-to-do-with-this-collection/m-p/568178#M82146 Anonymous 2009-09-05T08:57:27Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/What-to-do-with-this-collection/m-p/568179#M82147 so if the sol is three years what does that entitle? Sat, 05 Sep 2009 09:19:23 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/What-to-do-with-this-collection/m-p/568179#M82147 wildstang 2009-09-05T09:19:23Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/What-to-do-with-this-collection/m-p/568181#M82148 When the SOL expires they can not bring a suit against you and win if you show up in court and use expired SOL as a defense. Sat, 05 Sep 2009 10:04:04 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/What-to-do-with-this-collection/m-p/568181#M82148 Anonymous 2009-09-05T10:04:04Z