Legal Question in Credit and Debt Law in California
Interpreting late payment history on credit report
My daughter got a letter from an attorney for the purposes of debt collection for a credit card. She (stupidly) does not have any records. Below is what the credit report lists as a payment history.....Was there a payment made after July of 2004? I'm trying to see when the statute of limitations is up. Thank you so much for any help.
Original account was with Washington Mutual, account history is attached to that account:
Account history:
charge off as of May 2005 to Feb 2007
180 days as of Apr 2005
150 days as of Mar 2005, Dec 2004
120 days as of Feb 2005, Nov 2004
90 days as of Jan 2005, Oct 2004
60 days as of Sept 2004
30 days as of Aug 2004
Account sold to First Resolution Investments 02/2007
1 Answer from Attorneys
Re: Interpreting late payment history on credit report
Ignore them and especially do not make a payment or promise to pay anything as that will reset the statute. If they sue I will be happy to defend for a very, very reasonable fee that in all likelihood you will get back
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