I recently disputed two credit cards that were charged off in 2006 because these are not my accounts. I never signed anything that said that I was responsible for these accounts.
I received my Experian dispute results and the accounts were “processed”. I reviewed the updated report and both accounts came back as updated. What should I do now?
Should I write a debt validation letter to LVNV (they own both accounts now) or should I wait to see if they contact me? I live in WV and I believe the statute of limitation for credit card debt is 5 years. I am trying to buy a home.
Are these accounts hurting my credit score? They are due to come off in 2013. I know not to acknowledge the accounts or send in a payment because that will restart the SOL. Any advice will be greatly appreciated. Thank you.