Hello everyone,
I would like to start off by saying I’ve learned so much on this forum and would like to thank the creators as well as those who post questions and answers on the board, as it has helped me become more knowledgeable in understanding how to rebuilt and continue to use my credit wisely. Â I’ve been an avid reader and lurker for quite some time now and I finally have a direct question to ask you all. Â Any input on the matter is greatly appreciated.
Although I no longer have any charge-offs/negative accounts reporting on any of the three credit reporting agencies ( I have Score Watch and periodically order my Trans Union report via myFico, and check my Experian report, although it may be inaccurate via Freecreditreport.com) I received a letter today from E R Solutions Inc.  It appears they are sending me this letter on behalf of the creditor Arrow Financial Services LLC, the letter further indicates the original creditor of the account was Old Navy.  From what I recall, I opened my Old Navy credit card around 2002 and more than likely fell behind on my payments around a year or so later.  I feel as though this account should not be held against me but because I can’t recall the date of first delinquently I am unsure as to how to go about rectifying this matter.  When this account was listed on all three credit reports (pulled directly from the agencies) the status was listed as  ”charged off”.  My questions are the following:
How can I verify when was DOFD if this account is not reported on my credit reports any longer ?
Should I send E R Solutions Inc a DV letter ?Â
Should I disregard this notice since it’s no longer listed on my credit reports ?
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Again, I would like to thank you guys in advance for any input on my issue.Â
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