Hello to all, I'm very new here and I've been reading your forums and trying to understand most of what I've been reading. I'm trying really hard to clean my credit this year and was going to just pay off what I could after I received my taxes this year. (that is until I came across this site) Learning about PFD letters and SOL for my state can be very confusing. So I'm asking you guys for some help. Okay first off, what type of letter should I send to the accounts that are in my report that state Pay status as Charged off as bad debt and the date opened 2004/2005 and the date closed 2007. I'm asking because I'm not sure about that SOL thing and if I should send a letter to have it removed after being paid or wait for SOL to run out (or has it run out, not sure). Also if the Pay status says Collection Account opened in 2005 closed in 2007 is this the same as above? Lets just say I'm not sure what to do in regards to paying these accounts or waiting until the SOL runs out or has it? And what state should I use for the SOL Alabama where the accounts all originated or Illinois where I currently receive my mail? Sorry in Advance for the stupid array of questions but I'm going to pay but want to do this right and if getting some of the baddies removed that would be great. Thanks in Advance (if you can understand)Oh and if you need more info just let me know what and I can provide that.
