@Anonymous wrote:
@Anonymous wrote:
I have an old account with them ( Cap One), but not old enough for it to fall off. I owe 1300+ on a $300 balance ( DOFD 2004ish). It is my account and all but I tried to call them directly and they couldn't find my account, well then I realized it was under my maiden name. That was straightened out , heard nothing from them then I get two letters from two different collection agencies. I DV'd first and then tried to send a settlement letter. still nothing. I need them taken care of so I can improve my score. I have almost all baddies taken off due to the great letters found here ( they really do work, except with fingerhut;(
Anyone have luck settling with them, I'd hate to PIF, but I may have to for a delete. What do you think is best?
Thanks!!!!!!
IDK guiness this part right here jumped out at me. I would leave those CA's alone and just wait for 2011ish to roll by and this to drop off my CR.
EDIT: Dont make the mistake of resetting the debt collection sol in you efforts to get this erased from your credit report. This thing is within one year removed of coming off naturally.
If the SOL has already expired offering a settlement will not reset it. In most states you have to acknowledge the debt as being yours in writing.
Also, there is no such thing as a debt collection SOL. They can continue to attempt to collect forever. It is the states SOL for suing that could be reset.
