Happy Days or Zombie Experts help?

[StillLearning]

I had a thread about this before, but still not sure what to do:  DV, C&D or FOAD (my favorite, given a choice).  CA sent me a bill in my maiden name, so the "debt" would be 18+ years old if it were mine, but it is not.  Happy Days said if I monitor my credit I don't have to do anything?  Would I just wait to see if they try to report it, then deal with it?  I would really, really hate to have my clean reports screwed up by these people.  Thanks again.

[Anonymous]

If the debt is over 18 years old they can not put it on your CR, legally.

Given the fact that most CAs are not nice people it is a good idea to monitor your CR to make sure they do not try to change anything and add it.

You can send them the C&D letter (AKA FOAD).

[StillLearning]

thanks - I think I get it now.