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How to dispute this UNPAID out of SOL charge off?

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I'm more/less in the same situation here, almost with the exact same timing!  

 

I've disputed incorrect names, addresses, etc and I'm waiting to hear back.  Problem is, my OC is in California, while I'm in a state with an SOL of 6 years for CC debt.  I don't have my original paperwork either, so I'm not sure which state takes precedence.  I did call the OC (a credit union) a while back and they stated it had been more than 4 years, so the SOL is up.

 

Any thoughts on whether or not I should go ahead with a validation letter to all three bureaus?  MY thought based on what I have read up to this point is to now proceed with debt validation letters.  

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3 hours ago, jcredit115 said:

Any thoughts on whether or not I should go ahead with a validation letter to all three bureaus?  MY thought based on what I have read up to this point is to now proceed with debt validation letters.  

Validation letters do NOT go to the four bureaus.  Spend some more time reading before you drop the first piece of mail into the box...

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8 hours ago, jcredit115 said:

I'm more/less in the same situation here, almost with the exact same timing!  

 

I've disputed incorrect names, addresses, etc and I'm waiting to hear back.  Problem is, my OC is in California, while I'm in a state with an SOL of 6 years for CC debt.  I don't have my original paperwork either, so I'm not sure which state takes precedence.  I did call the OC (a credit union) a while back and they stated it had been more than 4 years, so the SOL is up.

 

Any thoughts on whether or not I should go ahead with a validation letter to all three bureaus?  MY thought based on what I have read up to this point is to now proceed with debt validation letters.  

In addition to the advice given by @centex, you can send validation letters, and the debt collectors might respond.  However, unless the requests are being sent within 30 days of the initial communications, the collection agencies are not required to respond and can still report. 
 

 

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