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I filed mine as an amendment to my 2008 taxes. Closed on Nov. 26 I believe. Had to wait till mid-January because the IRS was revising the 5404 form. I haven't even received anything saying they've received my documents. I don't expect to receive my credit till May at the earliest.

I just closed on Nov. 25, 2009, and I applied for credit at best buy and got denied. Should I check my credit score after buying the house?

I received a letter from a collection agency trying to collect on a debt that's 13 years old (10/1996). My post is here: http://creditboards.com/forums/index.php?showtopic=414803 I'm getting ready to write my FOAD letter, but before I send it off, is there anything I need to do? Like I said in my other post, I don't remember this debt, and I did some pretty stupid things in college so there's no guarantee that the debt isn't mine. But I've been trying to buy a house for the last year and this debt has never been on my credit reports. Should I just send the letter off regardless? The letter's dated Nov. 2 or something like that so I imagine some kind of action is necessary pretty quickly.

It'd be nice if this thing passes. As of right now, I'm looking to close by the 13th. My LO said the 20th at the latest but you never know what might delay the process.

One thing to mention is that they asked if they had the right ssn and address (they had a previous address of mine). Could that lead to a restart of the SOL or verification that the debt is indeed mine? If it's mine, it's mine and I'll deal with it if I have to, I just don't want anything messing up my chances for closing right now. Thanks.

I told the rep that I never knew of this debt and that she prob wont see any money from me considering I've never seen it on my credit report and it's old. The other thing is that it was a phone call and not a letter, so do I write an FOAD letter now since communication was established or do I wait for something in the mail? Also, does the phone call basically restart the SOL?

I'll definitely take this into consideration. My next question is how does this work if I've only received a call and not an official letter? Do I address this now since communication has been established? Or do I wait until I get something in the mail from them? Does my phone conversation restart the SOL? I never admitted to the collection, I told the rep that I had no idea what the collection was from and that I've never had a card with a limit anywhere near that dollar amount and that I've never seen it on my credit report and that since it's 13 years old she prob. won't see a any money from me.

Hey guys & gals. New to the forum and I've got a question. I got a call from Stellar Recovery saying that they were collecting on a debt. The debt was from a Visa, and the balance was $3k on it. The problem is that the date on the account was from Oct. 1996. I have no recollection of this credit card, the issuer, and I know for a fact I've never had a credit card with a credit limit more than $1k before. I'm in escrow right now, I've been trying to buy a house for well over a year, and I've never seen this debt on any of my recent reports, at least since the last 3 years. I live in CA so I understand there's a SOL but I'm not sure if I'm protected since I can't really verify whether or not the debt is really mine. What are my options? I'm hoping to close in the next few weeks. Will this hinder the deal on a house? Thanks.