Pay wiht Insert A or dispute SOL ????

[wjr1971]

I had a unpaid collection from 2003 all of the sudden crop up on my EQ report.

 

I'm wondering which way would be the best to attack this....

 

Should I pay it with the HIPPA Insert A letter to the OC.... or should I dispute it based on SOL (this thing is almost 6 years old and in TN the SOL is 3 years on open accounts). I am not sure if this would be considered an open account though.

Edited March 20, 2009 by wjr1971

[ghasynchroduck]

I had a unpaid collection from 2003 all of the sudden crop up on my EQ report.

 

I'm wondering which way would be the best to attack this....

 

Should I pay it with the HIPPA Insert A letter to the OC.... or should I dispute it based on SOL (this thing is almost 6 years old and in TN the SOL is 3 years on open accounts). I am not sure if this would be considered an open account though.

 

 

I would double check your SOL. A quick google search kept saying in multiple sites that the SOL on open accounts is 6 years in TN.

[wjr1971]

I had a unpaid collection from 2003 all of the sudden crop up on my EQ report.

 

I'm wondering which way would be the best to attack this....

 

Should I pay it with the HIPPA Insert A letter to the OC.... or should I dispute it based on SOL (this thing is almost 6 years old and in TN the SOL is 3 years on open accounts). I am not sure if this would be considered an open account though.

 

 

I would double check your SOL. A quick google search kept saying in multiple sites that the SOL on open accounts is 6 years in TN.

 

 

 

 

 

I got that off of Why Chat's web site:

 

Tennessee STATUTE OF LIMITATIONS (IN YEARS)

 

Open Acct.: 3

 

Written Contract: 6

 

Domestic Judgment: 10

 

Foreign Judgment: 10

[Why Chat]

Opt out

http://whychat.5u.com/OPTOUTINST.HTML

Delete old addresses, if possible

 

Send any CRA where this has "cropped up" the dispute letter

 

http://whychat.5u.com/hipaadisp.html

 

If verified, send the reporting CA this

http://whychat.5u.com/ltrcavalhipaa.html

And follow up with this

 

http://whychat.5u.com/ltrcavalhipaa.html#DISPUTE

You are being scammed by a "garbage" CA who obtained your data from a data miner, have you recently applied for a mortgage??

[wjr1971]

You are being scammed by a "garbage" CA who obtained your data from a data miner, have you recently applied for a mortgage??

 

Yes. About 3 weeks ago.

[wjr1971]

Opt out

http://whychat.5u.com/OPTOUTINST.HTML

Delete old addresses, if possible

 

Send any CRA where this has "cropped up" the dispute letter

 

http://whychat.5u.com/hipaadisp.html

 

If verified, send the reporting CA this

http://whychat.5u.com/ltrcavalhipaa.html

And follow up with this

 

http://whychat.5u.com/ltrcavalhipaa.html#DISPUTE

You are being scammed by a "garbage" CA who obtained your data from a data miner, have you recently applied for a mortgage??

 

 

UPDATE: Equifax deleted this today!!!!!! Thanks again Why Chat!

[shanagain]

Awesome, congrats!