Should you always send a validation letter first and then wait for their response? Or since it is already on the report should I just try a PFD? This is for a CA account.
YOu need to know what your SOL is, then that will tell you whether you can DV or not! Only send DV when you are outside of SOL, unless you have the money for a lawsuit! You can still PFD too if you wanted!
This is to a CA. It is for an old Cap 1 account that was sold to the CA. The balance of my Cap 1 account is now reporting as 0 balance and sold. I am not sure how to determine the SOL on this one. It says date opened 7-01, date closed 5-05 and date of last activity 10-04. So I guess I will try a PFD? Should that be the best course?