Re: help understanding SOL and credit report
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Posted by Why Chat (220.127.116.11) 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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