Why Chat

IMO Wells Fargo is NOT a tradeline or creditor I would trust. She may be opening a can of worms by getting them IN ANY MANNER back on her reports as their data privacy has lots of leakage.

Ignore them-- make sure you opt out to help prevent your data being sold to data miners who will then sell your account info (because you responded to the initial CA indicating you are a live victim) to other CAs who will try to re-age your account. https://whychat.me/GUIDEBOOK.html

If they didn't send you anything in writing within 5 days of their call then they are already in violation and you should NOT respond in any way. If it is still on your credit report and the DOLP (last payment) was 7 years ago in 6 Months then a simple "obsolete" dispute to any CRA should remove it. You might want to get your current credit reports and get any old collections deleted. https://whychat.me/GUIDEBOOK.html

Any response to them will aggravate the situation. Check your credit reports for errors or duplicate SS#s or incorrect or unknown addresses. Opt out to prevent your credit files being sold to data miners and CAs who may re-age old accounts. https://whychat.me/GUIDEBOOK.html

??? Are you saying you want to pay $$$ on an account that defaulted over 24 years ago???It should not under any circumstances still be on your reports

I am sorry for the disastrous effects of your having been defrauded. I sincerely hope that you are protecting yourself better in the future. You need to get your credit reports as cleaned upas possible before you can hope to repair your credit. Start here: https://whychat.me/GUIDEBOOK.html Once you have opted out and corrected any errors and removed old addresses as much as possible you can start to try to remove any derogatory or closed entries using the letter programs or coming back to this post for individual assistance.

If the amount is under$500 it is not allowed to appear on your credit reports. I suggest you save time and effort and postage and ignore the CA. However, if you want to be sure nothing ever shows up make sure you are opted out and send a priority letter (no signature required) to the CA. https://whychat.me/ltrcavalhipaa.html

If you are following my process and you have done all the first steps; https://whychat.me/GUIDEBOOK.html Then your next step is to send a dispute to the CRA(s) where the account is reporting and include a copy of the letter you sent to the CA and their response. This letter follows the initial one you sent. https://whychat.me/nottoca.html

I suggest you get your and your husband's credit reports cleaned up to get rid of the old medical accounts; Follow this guide https://whychat.me/GUIDEBOOK.html Apply for a mortgage under your husband's name, there are likely many more no down payment low interest and home buyer's assistance programs available for him both State and Federal

Follow the guides; https://whychat.me/GUIDEBOOK.html Once you have corrected any and all errors send a letter to each CRA where this account is reporting. https://whychat.me/initdispltrsol.html Use this paragraph Here is the suggested text to insert: Please advise me as to the name and address of the original creditor, the name of the account holder, and the reported date of the subject contract Please advise me as to the correct name and current address of this creditor and their agency or agencies If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies.

Yes use priority mail to CRAs, yes use handwriting font preferably in blue on blue patterned paper. You want to try to avoid having the letter able to be read by a computer system.

My programs are designed to be as simple and inexpensive as possible. If someone has a complex serious issue I always suggest finding a lawyer. The basis of my program is to avoid the automated computer responses that an on line or telephone call will engender -- mostly to offshore clerks

Certified mail with a required signature will sit in a CA's PO mailbox forever. If they have moved it will not be forwarded.

The guide instructions for priority mail include this: Here is how to send priority mail letters: Go to the PO and get a dozen flat rate priority mail envelopes (6X10 is the easiest to use) You can either buy them prepaid with the postage ($7.35) or buy the priority mail stamps separately. Get a stack (they come in a book) of FREE USPS tracking forms. Whenever you send a letter, affix your copy of each receipt to the hard copy of the letter you have sent. You will, of course, be entering that PM tracking # in the heading of each letter.

Yes everything goes priority mail-- If you look at the letter to the CRA https://whychat.me/nottoca.html you will see this; [Date] PD MAIL #.: _____________