FNCB trying to collect on a 13 year old debt! How should I handle this?

[sfcastro77]

I don't know if trying to improve my credit has stirred up the ugly monsters, but I received a letter from FNCB trying to collect for a debt with Sears. The last time I had a Sears card, I was 22ish???? I know that Sears fell off my credit back around 2006 so it must have had it's first delinquency around 1998 or 1999?

 

What the heck are they trying to do? These are not on my credit reports any longer. Do I write up a FOAD letter and send it Certified Mail or do I just ignore this?

 

I don't understand how they were able to come out of the darkness and start collecting on something so old... sounds like a scam to me.

[VanillaGorilla]

They're just trying to see who will take the bait.

 

The FOAD letter should do the trick.

 

They will know once they get the FOAD letter that you are an educated ninja and they won't be back.

[mendelssohn]

Yes, send a FOAD letter CMRRR.

[nonex54]

What is FOAD please ? Thank You

[SeriouslyGordz]

Tell them to FOAD Eff Off And Die

 

http://creditboards.com/forums/index.php?showtopic=278917

[JunkBuyersWorstNightmare]

What is FOAD please ? Thank You

 

Fook Off and Die.

They're just trying to see who will take the bait.

 

The FOAD letter should do the trick.

 

They will know once they get the FOAD letter that you are an educated ninja and they won't be back.

 

 

[chugs102]

What is FOAD please ? Thank You

 

 

F*ck off and die.

 

Yeah, I had to pile on