I've been fighting Wells Fargo about two CC from when I was 18 ( like almost 7 years ago) They ignored me forever, finally validated. They sent me a photo copy of the CC app I filled out. Wow, never thought they'd have that still around all these years later!! What should I do? They have Not contacted me yet asking for payment. Hopefully they 'll fall off 10-2002......Any suggestions? Me
Since the SOL has probably run in your state, no danger of them collecting and, it's only 4 months till they fall off, just do nothing.
this only proves that you applied for an account.it is not proof of debt.have you disputed with the cras.
Ask them for statements of the account showing each charge made and each payment made and their dates for the life of the account. L
you will want a printout of all activity... all statements if they can do that... that will establish first date of delinquency and it will help you if they ever took action. If it drops in four months, do nothing. Is it at a ca or still with Wells Fargo? Since you have disputed these accounts, did Wells Fargo note the accounts with all bureaus as being "in dispute"? if not, you at least have ammunition against them for fcra violations. If you haven't gotten copies of all your reports, I'd do so now...
