Delete collection due to statue of limitation

Aug 292010
 

Still kinda of new to this board and I’ve been doing a lot some reading about the “statute of limitation” issue. I’m wondering if you  have a medical collection on your report that’s unpaid if it would be possible to use the ”statute of limitation” issue to leverage a PFD letter . Thinking of collection that need to get rid of that’s over 7yrs old . It’s not being collected but it’s a little more than I can afford to pay at this time and just wondering about contacting CA and offering settlement (maybe 1/2 of what’s owed) based on fact that collection is so old. Anyone think this will work?

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Equifax

Jun 032010
 

 I have been trying to rebuild my credit since a divorce in 2005 forced a bk7.  i’ve been doing a pretty good job with help from this forum.  Checking my last credit reports, though, my Equifax score tumbled down more than 40 points, and after examining it,  there were 3 positive tradelines that had been inexplicably dropped.  They were reported on both EX and TU, and no changes there.  I called EQ and they were less than helpful.

 

I don’t know how to resurrect these tradelines, as 2 of them are closed, but 1 of them is a current acct.  Thank you for any Help.

What if CA updates before proper DV?

Mar 122010
 

I’ve been doing searches on this but haven’t found the answer.  From what I gather the CA CANNOT update your CR during DV.  (Only exception is note a comment that says consumer disputes the validity of this acct).  What are the repurcussions if they do?  Who do you report this violation too?  Is a FDCPA or FCRA violation?