I have a couple of things I believe should be gone from my reports but I'm not sure what action to take first. They are all have a last date of activity from 2001, they are all open type accounts, And they all show a TransUnion DOFD est of between 4/2008 and 10/2008. I know to do everything via US mail but is there a specific course of action to take first? SOL in IL for open accts is 5 years and It seems like these are all past the the 7+180 rule. Maybe hit up the CRAs first?? (One of them is LVNV, last activity 8/2001, TU shows estimated DOFD 7/08, and I just got one of those Resurgent CreditCard deals in the mail today..) Any advice is appreciated and I can go into more detail if needed.. Thanks!
Always free to go the CRA dispute route claiming the expired SOL, that should be enough to take them off. The other way is to wait them out for a few more months, and then dispute again. If the SOL for the accounts is only 5 years you are free from the repercussions of the CA/OC suing you for the original debt. You could take the route of the Nutcase Rationale if you're trying to accelerate the deletions. This might just work, especially since the CA/OC has nothing that they can legally sue you for at all, and you might just get a couple of FCRA violations in there to boot.
Thanks! I'll go through the CRAs first and see what happens.. I've been studying here for a while and just wasn't sure which way to go first..
Great first step...STUDY!!! Please keep the questions coming, most if not all of us here would love to help!
I'm definately studying! There's a great deal of good information here and trust me I have no issues with asking questions! Thanks!
