What to do with this collection?

wildstang · ‎09-04-2009

I have an aspen credit card thats closed with a recent balance of 1021 dollars. Opened nov 2006 last report date was this month. Its my only revolving credit thing on my CR. I dont think a dv would matter since i know thats what i owe and that the debt is mine. should i send a PFD? could i pay monthly and have them report current payments?

EX-547

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LIGHTNIN · ‎09-04-2009

Welcome to the forums

Need just a little more info

Is the account still with the OC or have you heard from a CA?

Whats the DOFD for the account ?

And the SOL for your state?

FICO Dec 2025 EQ760~~Live below your means and always keep an emergency fund -Love Everybody ~ Big Kenny ~ Big and Rich ~~~~~Credit Scoring 101 - Common Abbreviations - Freq Req Threads - Free Credit Reports - What Steps Do I Take?DV? PFD?

wildstang · ‎09-05-2009

the account is still with the OC, i dont think they have an internal collection department. the DOFD is june 2007

the SOL is 7 years in wa

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Anonymous · ‎09-05-2009

SOL for CC debt in WA state is 3 years.

All negative items stay on your CR for 7 - 7.5 years.

wildstang · ‎09-05-2009

so if the sol is three years what does that entitle?

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Current Score: 610
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Anonymous · ‎09-05-2009

When the SOL expires they can not bring a suit against you and win if you show up in court and use expired SOL as a defense.