Consumer Protection Law
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the company name isXXXXX & Cooper PC who has been retained by Palisades Acquisitions XVI, purchaser of maybe a credit card issued through Providian Bank. As I said, though, it was a charge off in Dec 2004, so there has been no activity on this account. I live in NJ since 2005. Prior to that I lived in CT from 2004 to 2005. And was in VA when the card was originally obtained in 1999.
And I know all this because thankfully I have a copy of a credit report from 2005, back when my credit was very bad. I have a free credit report membership so I monitor my credit regularly.
Okay...so, I had been doing research on this matter, but was unsure. Everything that you said is absolutely correct. There has definitely been no activity on the account since either 2003 or 2004. It has since been removed from my credit report, and with my scored being so good as of recent years, I was even able to purchase a home. And if I understand you, they and nobody else can ever report this debt to the credit bureaus. Can they do anything else to me?
Very good. So, should just ignore the letters?