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Re: help understanding SOL and credit report


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Posted by Why Chat (209.240.205.61) on June 02, 2004 at 20:25:33:

In Reply to: help understanding SOL and credit report posted by Jack on June 02, 2004 at 15:17:37:


I suggest you opt out before you do ANYTHING.

Go to my website, link is "Opt Out & Report Fraud"

This will prevent your creditors from knowing you are tring to clean up your credit.

Once that is done( wait 3-4 weeks). Go to the "special letter" section on my website, look for the "Letter To Health Care Provider- HIPAA". Use that ( insert a) follow the instructions EXACTLY to pay the dentist bill directly.

Do nothing to alert the CA on your $6,000 chargeoff -- if you have moved, after the Opt Out has taken hold, dispute your previous address as "not mine-never lived at 12345 X Rd nowhere, Ca." They ALWAYS make SOME kind of error on addresses, so you will not be lying.

In 2 years, March of 2006, you will be safely beyond SOL on the credit card debt (dating from first delinquency-6 Months prior to chargeoff) You can then send the CA the SOL letter from my website.


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