Need help with cleaning my credit

If the cards are past the SOL, then I thought they couldn't be collected on?

Pam-

Have you tried sending out validation letters CMRRR to all your creditors? Sending them out CMRRR, will prove that you mailed something to them. In the validation letter, it'll request that they forward all information regarding the account to you. Usually you'll allow them 30 days to do this.

If they do no respond to your letters, you might want to resend one final letter. If they are unable to prove the amounts owed, you can write the credit bureaus to have such information removed. Additionally, you can also make a complaint to the BBB if they continue harassing you and still demand payment, but have yet to mail out "proof".

Below is a copy of the sample validation letter you can send out. If you need any other help, please let us know.

[quote]Date: Thursday, January 26, 2006

Re: Acct # xxxxxxxxx

To Whom It May Concern:

This letter is being sent to you in response to a letter sent to me on January 24, 2006. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for "verification" or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:

• What the money you say I owe is for;
  
• Explain and show me how you calculated what you say I owe;
  
• Provide me with copies of any papers that show I agreed to pay what you
  say I owe;
  
• Provide a verification or copy of any judgment if applicable;
  
• Identify the original creditor;
  
• Prove the Statute of Limitations has not expired on this account
  
• Show me that you are licensed to collect in my state
  
• Provide me with your license numbers and Registered Agent

• Violation of the Fair Credit Reporting Act
  
• Violation of the Fair Debt Collection Practices Act
  
• Defamation of Character

Quote:

stella, first I apologize for not proof-reading my post.

I was reading another post about past SOL debts, and thought someone wrote that a judge would usually rule in your favor since it is past SOL. I'm guessing that is dependent on someone actually appearing in court then, to fight it?

Yes, you must appear in the court and you will win it. If you fail to appear, plaintiff will be awarded a default judgment and you will end up paying off a past SOL debt, weird.

Thanks Mike for the Validation letter.

Just wanted to give ya'll an update ... My scores are now 506, 540, and 586... we're getting there .. still trudging away at getting these things taken care of and validated, but so far its looking good.

Does anyone know if the date opened on an collection account is suppose to be the date on the original credit account or the date the collection agency recieved the account? I have one that opened a few months ago when it is actually from 3 years ago.

Thanks again everyone for all ur help.

Pam

Pam, I just wanted to say congratulations on the improvement of your credit scores. They are starting to look good! Keep up the excellent work! :)

I have several charge off's on my credit report. This is due to a debt reduction company that I hired and supposedly worked on my credit for over two years while paying them a monthly fee. In the interim this Company sold off my personal information and I became a victim of identity theft. Needless to say I ceased dealings with this Company. I then retained a company that assured me that they could remove the charge offs that were placed on my account by the previouse company. Again, after a year nothing has changed on my credit report. I have not had any correspondence with any of my creditors for several years now and am curious to know if I personally dispute the charges with my credit card companies, will it raise a red flag. I have had a string of bad luck over the last few years with a divorce and raising teenage children and I honestly don't want to deal with these companies calling me. However, I would like to do whatever I can to try and increase my credit score. I do not have the financial ability to offer settlement and my only option is to wait for the SOL or dispute. Please advise.

Thanks for your response. However, I receive NOTHING by mail from anyone in over three years, I just recently started receiving a phone call from one company which I "thought" on my credit report stated "settled". I'm just a bit confused right now and not certain what track to take. I don't want to open a can of worms, but it may be too late.

Thanks again,

Jody