Removing a valid debt and loan forgiveness?
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3. What do you mean by validate the debt? You co-signed - it is a valid date. And if you ask them to revisit and decide against you again, that could result in an update to your credit file - and that may reset the clock for another 7 years. The first rule of law is, "Never ask a question that you don't know the answer to." If you had a legitimate clame, I would say risk it because it might come out favourable - in this case, they have absolutely no incentive to reverse their decision.
4. All creditors listed are valid; you defaulted on the bank, at which time it appears that they sold the debt (as opposed to the recovery) to a third party. It then appears that the debt was sold again. In all cases, each entity had a claim against you for payment - and thus, all will treat your lack of payment as a default.
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