I just received a collection letter from a CA about an 8 yr old account they bought from an OC. I am positive this account is past the SOL of 6 yrs in my state. This account has fallen off all my credit reports, but just recently the CA pulled a hard inquiry. Being that the account is past SOL, do they still have permissible purpose to do that? I'm aware that collectors will try to collect on debts that are way past the SOL. What is the best way to get rid of this CA? Validation first, or send a C&D letter?
