Question for the credit swavy!! (about collection delete)

[Anonymous]

Debt was in Nevada but i live in New jersey now. I guess then i should call them again and ask for something in writing but she didnt seem willing to do it when i talked wih her. Maybe someone else will be more helpful

[Junejer]

Are you out of SOL?

[Anonymous]

i am confused as to what kind of contract it would be considered? It was a home phone line in nevada with nevada bell. SOL in nevada is

written contract    6

oral contract        4

promissary note  3

open accounts    4

Debt was from june 04 from nevada

I live in New Jersey now and that is

written contract  6

oral contract       6

promissary         6

open accounts   6

Message Edited by amandarose1977 on 02-20-2008 03:30 PM

Message Edited by amandarose1977 on 02-20-2008 03:33 PM

[sh9730]

The SOL shouldnt apply here, IF this was truly paid as the OP said in the beginning.  Do you have proof of payment?  What you ll need to do next is DV the OC and start that whole process to get it removed. 

Now, the DOFD is important as that will be the 7 year start date for reporting on your CR.   But if you ve paid it, AND can show that, then who cares about the SOL?

[Anonymous]

The SOL shouldnt apply here, IF this was truly paid as the OP said in the beginning.  Do you have proof of payment?  What you ll need to do next is DV the OC and start that whole process to get it removed. 

Now, the DOFD is important as that will be the 7 year start date for reporting on your CR.   But if you ve paid it, AND can show that, then who cares about the SOL?

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Why does the sol not apply here if it is paid? Yes i did get a letter saying that it was paid from them. When i write a DV do i write it to the Original Collector or Original Creditor?  DOFD I really dont know when that was as this account was from my father using my name for a phone line. I know that it says june 1 2004 as the date assigned and also still reports as unpaid at one credit agency deleted at another and remains as paid on another

Message Edited by amandarose1977 on 02-20-2008 03:51 PM

[Junejer]

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@sh9730 wrote:

The SOL shouldnt apply here, IF this was truly paid as the OP said in the beginning.  Do you have proof of payment?  What you ll need to do next is DV the OC and start that whole process to get it removed. 

Now, the DOFD is important as that will be the 7 year start date for reporting on your CR.   But if you ve paid it, AND can show that, then who cares about the SOL?

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That's true sh9730, I forgot about that in all of those posts.  However, you don't DV the OC, as they don't have to answer a DV.  You would send the OC an OC letter that you can search for on these threads.  But the discussion is about the CA that won't delete, so DV the CA and then tell them to FOAD.

Message Edited by ByrdMan on 02-20-2008 03:46 PM

[Anonymous]

I am still new here and the Abbreviations are confusing i couldnt find "OC letter" or FOAD in the list of common ones

[Anonymous]

OC = Original Creditor

FOAD = F' off and die

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amandarose1977 wrote:

I am still new here and the Abbreviations are confusing i couldnt find "OC letter" or FOAD in the list of common ones

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[haulingthescoreup]

Yes, you would have to create your own FOAD letter. They're too incendiary to keep in the sticky threads! good luck