I'll be checking out the SOL today.
What does the 2-digit code do in their system? I mean a CRA isn't the one *reporting* so they can't do much to be petty right?
And what is an ITS letter?
I didn't just send off the DV's willy nilly, nor the letter to Experian, I researched on here and used letter templates that were recommended to me. Not really sure what my options were with Experian given they *did* 'validate' a debt and then refuse to do so again when they were clearly reporting incorrect information.
@Anonymous wrote:
IHMO- You need to assume you reset SOL until an lawyer tells you otherwise and can back that up-
EX turns you "harsh language" into a 2 digit code and sends it into their computer system-
An ITS letter is the only thing that does much else-
@Anonymous wrote:
I posted in another thread that Professional Collections replied to my DV. However they "only" included documentation of the debt, which in this case was a phone bill, and just my last bill. I guess that validates debt/DOFD but they did not include the other requested documentation, i.e. their right to collect in NYS, the transfer of the debt to them, etc. Does that mean the DV is incomplete?
STILL trying to find out about SOL, as this was a debt from when I lived in CA in 2002 and the SOL there is 4 years. I made 4 payments to PC in 2007 and trying to find out ifg that re-set SOL. I know some people say yes, some say no if CA, some say depends on State, whether CA or OC, courts, payment agreement, etc.
I'm going to refer this to a Credit Attorney tomorrow, as I'd have to guess they will step up collections now. If I am in jeopardy based on SOL I'll resume payments with them or PFD, if I am NOT I'll probably see if the lawyer will write them and say 'this debt is time-barred HOWEVER my client is willing to make a small settlement in exchange for removing this from the CRAs'.
I still have DV out to Midland, and an 'OC' out to Ballys (one past SOL) and to Cap1 (way past SOL and falling off in July). I also have kind of a hard language one out to Experian, as they 'verified' twice a Paid Collection, however that verification includes erroneous information that, even though listed as 'Paid' as of 8/07, that as late as 12/07 the item was 90+ Days late and 'In Collection' and also that this Paid Debt has an unreported Balance (try $0!) and unreported Past Due (try $0!). So this gives me a recent 90+Day late on my report, which is patently impossible, BUT was verified by Experian. I did quote some law as i found it on here.
