Greetings! First thing you want to do is a permanent opt out. Go to https://www.optoutprescreen.com/opt_form.cgi
Fill out the permanent form. On the next page it will have all your info in a document. Print it & mail to address on the form.
So it sounds like you've got CA's (collection agencies) contacting you. You also say that the OC's (original creditors) are no longer on your reports. How long ago did they drop off? Have you got old reports showing them & new ones showing them gone? In 99% of the cases, when these drop off, you are far beyond the SOL for being sued. BUT, whatever agencies bought the debt will continue until the end of time to attempt to collect the $$ from you.
Check the dates for when these accts went into default & check on the SOL (statute of limitations) in your state (and the stateyou resided in when opening that acct, if different than now).
NEVER talk to a CA on the phone if you are within SOL & owe them money!! Do everything thru us mail- CMRRR & keep copies of all letters & postal receipts. In other words...cover your bootie!
@BungalowMo wrote:Greetings! First thing you want to do is a permanent opt out. Go to https://www.optoutprescreen.com/opt_form.cgi
Fill out the permanent form. On the next page it will have all your info in a document. Print it & mail to address on the form.
So it sounds like you've got CA's (collection agencies) contacting you. You also say that the OC's (original creditors) are no longer on your reports. How long ago did they drop off? Have you got old reports showing them & new ones showing them gone? In 99% of the cases, when these drop off, you are far beyond the SOL for being sued. BUT, whatever agencies bought the debt will continue until the end of time to attempt to collect the $$ from you.
Check the dates for when these accts went into default & check on the SOL (statute of limitations) in your state (and the stateyou resided in when opening that acct, if different than now).
NEVER talk to a CA on the phone if you are within SOL & owe them money!! Do everything thru us mail- CMRRR & keep copies of all letters & postal receipts. In other words...cover your bootie!
When I first read this I thought I had caught Big Mo in a mistake but of course you are right on the money. For permanent opt out you do have to mail in a form. I just choose the 5 year option and continue to renew. I guess I'm too cheap to buy a stamp. 
