Quick question--keep searching, can't find

[sydnee11]

So I started this process back in 2009, having some luck, but due to disability and medical, I never was completely successful. However, on another note.... have a baddie from a utility company. I was successful years ago in having it removed from all but one credit bureau. Its past SOL for state, and I really want to have it removed as I want the best rate for a new mortgage. I have had letter templates saved for years but cannot seem to find what I write to OC and CRA when its past SOL. Now heres the catch, its past SOL for state, but not past 7 1/2 yrs for reporting to CRA. Do I have any hope?

 

And for everyone, I have looked, searched in search box for SOL letters or advice, cant find anything that pertains directly to my issue. Any advice, steps, or just point me to a round about letter I can use as template so I can mold into what I need would greatly be appreciated.

 

Thank you so very much!

 

 

oh ps: its a chargeoff in negative closed accts, not an active collection

Edited July 31, 2014 by sydnee11

[sydnee11]

maybe if anyone could provide an example sol letter to the OC or the CRA would be fine also

[Second Chances]

http://creditboards.com/forums/index.php?showtopic=484459

 

I know this is an old thread, but it discusses Why Chat's SOL letter program. However, it seems that it

is only recommended for CAs, not OCs. Have you deleted old addresses? When is the last time you disputed it with the one CRA still reporting?

Edited July 31, 2014 by Second Chances

[adaisyandarose]

http://whychat.5u.com/SOL%20PROGRAM%20GUIDE.html

 

The program can be used for either OC or CA. I believe the OC text is underlined and the CA text is not.