wifey2106 wrote:
ok si ive been doing alot of research and reading and what not. my hubby and i trying to get our credit together and i know that it will take time.
for me i have some collections that im trying to deal with slowly but surely. i have a few cc that i was late on because we were in the middle of a move from coast to coast and money got kind of tight. im hoping that sending gw letters will help some.
as for dh well he has cc that i believe are in collections. one of them is chase and the man that always calls is such an ahole. wamu and cap 1 are in collection as well i believe. any advice on how we can take care of them. any and all advice will be great as well. at the time we lived in cali and now in va.
im still trying to learn the whole sol and dola but its really confusing. anyways i hope someone can help thanks!
Hi wifey2106, To start the SOL on CC for Va. is 3 years and in Cali.its 4 years. What is the DOFD/DOLA on the COs?
You need to know your SOL so you do not get into a bind & have the OC or CA file a lawsuit against you.
They can file a lawsuit in either state....where you lived when you applied for the CC or where you live now. This is why I asked for the DOFD/DOLA
Are the OC reporting alone or is there a CA reporing also? They are each handled in a different way.
You do not want to dispute the OC unless there is a good reason (like need of account info.) every dispute will update and FICO might read it as being newer then it is.
We would send a CA a DV CMRRR (if not past SOL be ready to pay)
Never dispute or send a DV if within SOL unless you have the money to PIF.
Always try to pay the OC before dealing with a CA when you can!
When you must deal with a CA always do so in writting...no phone calls!! You want a good paper trail.
Be very careful of Cap1....they will sue you in a heartbeat!!!!!!!!!!!!!!!!!! If within SOL do not even breath on it!
Message Edited by HappyDays on
04-25-2008 10:03 PM
bump
