Sprint collection

[700bound09]

SOL has passed. Haven't not received any documentation on this account in 5+years. Collection just showed up on my EX report. What do I need to do to try and get this removed with the age of this collection?

Thank you.

[700bound09]

anyone?

[MarineVietVet]

---

@700bound09 wrote:

SOL has passed. Haven't not received any documentation on this account in 5+years. Collection just showed up on my EX report. What do I need to do to try and get this removed with the age of this collection?

Thank you.

---

Do you happen to know what the DOFD (Date of First Delinquency) was that led to the collection? That might help in making a decision what to do next. I ask about the DOFD because the drop-off date of a collection reporting is up to 7.5 years from the DOFD on the OC account, and the CA cannot reset this date.

From a BK years ago to:
9/09 EX pulled by lender 802
3/10 EQ- 800
4/10 TU -772

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
Frequently Requested Threads
Whats In Your FICO Score

[Tazman81]

If there was not a judgement and if they are passed the statue of limitations, then that just means that they cannot take you to court for that particular debt.  You can send them a letter to request that they validate the debt with substantial proof.  If they cannot, then they will need to have that removed from your credit report.  Once you receive a response from them, then you will be able to send that into the credit reporting agency for them to remove it.

Just remember that in most states, the SOL does NOT mean that a collection company cannot attempt to collect the debt from you.  It just means that they cannot bring any legal judgements against you nor can they threaten to sue you if you don't pay.  See the below link for a sample letter that you can use. You can modify it to be the appropriate tone that you would like.

http://www.debtconsolidationcare.com/forums/debtverification-letter.html

[MarineVietVet]

---

@Tazman81 wrote:

If there was not a judgement and if they are passed the statue of limitations, then that just means that they cannot take you to court for that particular debt.  You can send them a letter to request that they validate the debt with substantial proof.  If they cannot, then they will need to have that removed from your credit report.  Once you receive a response from them, then you will be able to send that into the credit reporting agency for them to remove it.

Just remember that in most states, the SOL does NOT mean that a collection company cannot attempt to collect the debt from you.  It just means that they cannot bring any legal judgements against you nor can they threaten to sue you if you don't pay.  See the below link for a sample letter that you can use. You can modify it to be the appropriate tone that you would like.

http://www.debtconsolidationcare.com/forums/debtverification-letter.html

---

That's not exactly true. You can still be taken to court but if you show up you can use the SOL as a defense. The CA's count on people not showing up and then they are awarded a default judgement. There are many posts on these forums that talk about all this.

From a BK years ago to:
9/09 EX pulled by lender 802
3/10 EQ- 800
4/10 TU -772

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
Frequently Requested Threads
Whats In Your FICO Score