I have a Discover Charge-off that has been sold to Midland Credit Management. The SOL is about to run out next month, and I intend to send a validation letter to MCM regarding this debt. The only problem is that the last letter that I received from them is dated July 5, 2000 and I don't know if they still own the debt. I guess my questions are: 1) Do I send MCM the validation letter and dispute the entry at the same time to the CRA's? 2) Do I send MCM the validation letter and wait until they can't verify to dispute with the CRA's? 3) Do I not send them a validation letter and just send them a C&D letter stating that the SOL has expired and I'm not paying? Thank you in advance Erica I almost forgot, this was deleted once before (last year) because it is a duplicate of the Discover tradeline. It was reinserted this year and I never received notification that it was going to/has reappear(ed). Is this grounds enough to have it deleted anyways?