I have a debt that was charged off 8 years ago but the "date of last activity" is only 2 years ago. How do I go about having this deleted? Is it better to just say to both the CA and theCRA it's not mine or report to them it beyond the SOL? Someone on another group recommended a "not mine" validation request to the CA and a "beyond SOL" to the CRA's. Many thanks, Steve
For the CA send them the validation letter. For the CRA dispute as obsolete - - please remove. ><- <>- ><- <> ~~~ ><- <>- ><- <> ><- <>- ><- <> ~~~ ><- <>- ><- <> Never read the fine print. There ain't no way you're going to like it. Learn more read my links below.
Re: Re: Over 7 Years But Keeps Updating I would personally send them a copy of WhyChat's time-barred C&D letter. Then dispute the account to the CRAs as Incorrect DOLA, *AND* Obsolete, when you know that they have received it. If they verify, they have communicated to you in one of the forms that is not specifically allowed under section 805, Heinz v. Jenkins specifically defines communications as anything that conveys "information regarding a debt directly or indirectly to any person through any medium." The key portion is THROUGH ANY MEDIUM, Section 805 allows them to communicate with CRA's but they are still a medium to get you the message that they claim that you owe them money. But the quote I got from it is from an FTC Opinion Letter. I am looking for a complete copy of this ruling...
Re: Re: Re: Over 7 Years But Keeps Updating Oh Kay! Just wanted to make sure it wasn't a payment. What ever you do don't make a payment on it!
