I have an account being reported to only EQX from a CA regarding an AT&T Broadband account. The original balance was $270 and 2 years ago I sent them $60. The Date of last activity is 09/2001. My question: Should I send a validation letter, wait for the green card and then dispute with the CRA, or since it's more than 2 years on the date of last activity just leave it alone? I have no other negative info w/EQX, and don't want to create a new date of activity...
You don¢¥t have to worry about reaging. The law is pretty clear that its based on the delinquency that lead to the collection. So yeah, go for the whole validation series if you want. But, if you are willing to pay it off though, I would send them a settlement letter stating you are willing to pay it in full for deletion (see sample letters). Good luck!
