SOL almost up- what do I do?

Mar 132011
 

I have 4 collections accounts that show Date of 1st Deliquency, from Novemeber of 2005.  Does that mean the SOL is up?  What do I do?  (Michigan SOL is 6years.. so technically the SOL is up in November of this year?  Correct?  What do I do in the meantime with these collection accounts?)

More confusion

Jul 032010
 

A few weeks ago I sent a PFD letter to ER solutions for an old Sprint bill.  Because I didn’t hear back from them, I decided to call.  The lady I spoke to said that they

would agree to the PFD and would send it to me in writing.  A few days went by and I recieved nothing.  This week I received a letter from them that said ” Here is the

info you requested”, which was an actual copy of my sprint bill from Feb. 2008.  In the meantime I checked my credit report and the collection had come off my report. 

Yesterday I finally recieved the letter stating they agree to the PFD and it was dated 7/28/10.  ?????? What do I do now?

RJM & Asset Accept removals

Jun 172010
 

Hi Everyone.

 

As you can see I have a long way to go, in the meantime, I had a previous debt owed & paid to RJM in 2008. It was updated 4/2009:

Balance $0 as a Paid Collection / Date updated: 4/2009 / Pay Status:  >Payment After Charge Off/Collection.

My question to that is, I’m noticing in the forums that they(RJM)are removing accounts from your report with a pfd letter. How can I get mine removed from way in 2008?

 

Also Asset Accept had an old store credit card that it purchased & still reports on my EXP report. Not on my TU.

I called Asset Accept and the rep said I owe them $0 and to just give it time to be removed. Side note: on my EXP report the status reads:

Collection account. $983 past due as of Mar 2010. I’m confused….

 

Any advice at all will be truly helpful….

 

 

Differences with CRA’s

Mar 172010
 

I just received my Equifax report after looking at TU and EX.  It is the only one that actually shows the DOFD on the accounts.  I don’t have any accounts showing on there with any balances due.  I know some of them showed before, so I assume they came off.  Can I expect that TU and EX are just slower taking them off and will they most likely come off soon, or should I try disputing these to try to get them off? 

 

Also, I have a car loan with a lot of 30,60 day lates.  It is my longest TL though and it has now been almost two years since any activity.  Is there anything I can do with a car loan? 

 

My thought is that I am going to get my CCs paid down.  Right now they are almost maxed out because of recent activity, but I will get them lower shortly.  So, I figure less than 6 months I will have them below 10% and check my report then to see what I can improve at that time with the other items.  In the meantime I will GW and DV adn PFD on the accounts I know are not going to be past the 7 years soon.