Hello Everyone, I started my credit repair journey 03/03. Thanks to this site, I was able to get my Bk removed and some other accts deleted. But, I'm unsure how to proceed with my current situation. Recently I ran a CR at PG and there was a $2225 collection added 10/03. No company name listed, but someone from National Loan Rcvry recently called my home. I didn't call them back bcuz I didn't want to open a can of worms without some advice. The bal. is for a line of credit on a Fleet Chcking acct once held by my ex-hubby and myself. Long story short. We split up. The last pyt was in 11/97. Last July, I disputed the TL as not mine and it was deleted by all 3 CRAs. Fleet must have gotten wind and turned it over to a CA. What to do? Should I dispute it with the CRA's again? Outside of the one phone message, I haven't recv'd anything from the CA. In light of this, can I use the 6 yr SOL defense? Or does the Oct 03 insertion by the CA negate the last pyt date? Also, am I responsible for the full balance even though it was a joint acct? I would appreciate any help and advice. Thank you.
The SOL on this has run. You sure can use it should they sue. I think I'd start disputing the thing as obsolete/out of date.
Thanks for your response. I will try the obsolete angle with the CRA's. I just wasn't sure if I could because I was worried that the true SOL wouldn't have been until 12/03 and the CA inserted it on my CR 10/03. But, I'll give it a shot and see what happens. Thanks again.
