@heavyjay wrote:
@grillandwinemaster wrote:
@heavyjay wrote:Get your ducks in a row now for when you're served. Your CR isn't good enough to prove a debt is time barred. Their attorney will object to it as hearsay. You need something from the OC to substantiate the DOFD.
Wouldn't the original creditor reporting me late, and subsequently charging off the account be substantiation of the DofFD from the original creditor?
The OC's business records can substantiate the DOFD. Your credit report may be correct but it is still hearsay.
Ok, I understand what you're saying in regards to my credit report being hearsay. I will get in touch with the original creditor , and request something from them regarding DofFD. Thanks for your input.
Ok, so this may be a foolish question, but how would I go about requesting such information from an original creditor? Whom would I contact?
In my case, I'm actually back in good standing with this creditor. I have not one, but TWO open, active and in good standing credit c card accounts with Cap1. One account is going on 3 years, the second account is approaching 6 months. I'm sure this will help.
Again, any and all direction is appreciated!