I'm getting ready to DV 4 of the baddies on my reports. They're listed below along with why I want to DV them. I want to send out the letters tomorrow, so basically what I'm asking is that someone tell me if I should NOT DV them for one reason or another lol I think I've seen people talk about bad things happening if you take action before SOL is up but I don't want to wait that long...
1. Utility company bal $397, I don't believe the balance is correct. (collection)
2. Apt complex bal $480 I never received any info about this and was current on my rent when I moved out at the end of my lease. (collection)
3. LVNV bal $366 from a $100 walmart card. I don't feel the balance is accurate since the OC has a CO'd report on their as well stating the balance never passed $90. Also never got notice of this.
4. An old credit union loan on my account bal $480. Again I don't think the balance is correct.
SOL for everything in TX is 4yrs. However SOL still confuses me, all I gather is that they can't sue after 4 years, but I don't know if that makes a difference in what action I should take. (DV'ing or not). Nothing is past SOL anyways until mid to late 2009.
Thanks in advance (again),
Ja' Net
