[twokidtwocat]

Heres a list of the SOLs for each State
1- Oral Agreements
2=Written Contracts
3=Promissory Notes
4= Open Accounts

Alabama 6 6 6 3
Alaska 6 6 6 6
Arizona 3 6 5 3
Arkansas 3 5 6 3
California 2 4 4 4
Colorado 6 6 6 6
Connecticut 3 6 6 6
Delaware 3 3 6 3
D.C. 3 3 3 3
Florida 4 5 5 4
Georgia 4 6 6 4
Hawaii 6 6 6 6
Idaho 4 5 10 4
Illinois 5 10 6 5
Indiana 6 10 10 6
Iowa 5 10 5 5
Kansas 3 5 5 3
Kentucky 5 15 15 5
Louisiana 10 10 10 3
Maine 6 6 6 6
Maryland 3 3 6 3
Massachusetts 6 6 6 6
Michigan 6 6 6 6
Minnesota 6 6 6 6
Mississippi 3 3 3 3
Missouri 5 10 10 5
Montana 5 8 8 5
Nebraska 4 5 6 4
Nevada 4 6 3 4
New Hampshire 3 3 6 3
New Jersey 6 6 6 6
New Mexico 4 6 6 4
New York 6 6 6 6
North Carolina 3 3 5 3
North Dakota 6 6 6 6
Ohio 6 15 15 6
Oklahoma 3 5 5 3
Oregon 6 6 6 6
Pennsylvania 4 6 4 6
Rhode Island 15 15 10 10
South Carolina 10 10 3 3
South Dakota 6 6 6 6
Tennessee 6 6 6 6
Texas 4 4 4 4
Utah 4 6 6 4
Vermont 6 6 5 6
Virginia 3 5 6 3
Washington 3 6 6 3
West Virginia 5 10 6 5
Wisconsin 6 6 10 6
Wyoming 8 10 10 8
This does not include judgements,which are longer than the normal SOL.

[Not so Lucky]

Thank you twokidtwocat. I have been wondering what the sol's was for Tennessee.

[imkimssister]

Tammy-this is what I found. I already knew it was 6 yrs from a search I did a few months back.

Tennessee Statute of Limitation
Open Account: 6
Written Contract: 6
Domestic Judgment: 10
Foreign Judgment: 10

guess this means my judgement is fixin' to sit there for the next ten years-not seven like what the lawyers said. :evil:

[Not so Lucky]

I found a judgement on hubby's credit report from Experian. It is only listed on that report from 2001. We were never notified, served or anything. what legal grounds do we have to fight this where no notification was given.

[stanley]

Tammy,

Dispute it. Do you have any idea who the judgment creditor is? Is the entry correct or has been entered in your file by mistake? And is it there in the credit report from all the three bureaus?

Draft a dispute letter and send it through CMRRR. You can mention that you were never notified about this. Also consult a lawyer if you can take any legal step to solve the problem. Keep us posted.

[stanley]

There is another thread in this forum that lists the SOL of different states, you can check it too-

http://www.debtconsolidationcare.com...state-sol.html

[Not so Lucky]

It is only showing up on Experian. Equifax and Transunion show nothing. I will get a dispute letter together this afternoon and send it to Experian to dispute the judgement. It is from a company in Mississippi and we haven't lived there for 5 years.

[imkimssister]

Tammy, dispute it!!!! The thing of it is, it might really be your husbands. I found out that creditors/CA can 'attempt' to reach you and with no luck, they can go before the judge and say that you couldn't be reached. This concerns me alittle because whats to stop them from 'saying' that they attempted and you couldn't be reached? My son, like your husband, has a judgment on his report that we knew nothing about and we have lived here in this same house for the past 19 years and he has lived here for most of it with us. He only moved out for a few months and got evicted. He came back home. It was the apartments that sued him. He had us listed as a point of contact---they never called or sent anything to our house. Yet they took him to court and he never even knew about it. guess they told the judge that they 'tried' to reach him--yeah right. I was wondering, do phone calls count too, or does it have to be something in writing? he never even got a summons. But I've learned that all they have to do is say they tried to reach you and thats good enough. shirley

[stanley]

I agree with this Shirley. You never know if any of your old creditors have got the judgment against you. You can consult a lawyer too to know your options.

However, there is no harm in disputing it. Either it will be verified as correct or will get removed from your file, so you won't lose anything right? Keep us posted.

[Not so Lucky]

On the report it says judgement 2/2001 QualPro. I haven't the faintest idea what that even stand for.

[twokidtwocat]

Thanks Stanley,I didnt see it anywhere else before,and it took me a long time to retype this and make it all pretty. :cry:

[imkimssister]

Tammy, did you find out who Qualpro is?? I did a search and came up with a couple of different companies. One is Qualpro diagnostics (For the detection of hCG in urine/serum during pregnancy)--another is Qualpro-Provides service and supplies for copiers, printers and fax machines. I thought maybe something might ring a bell for you--in any event--DISPUTE and you will know for sure then. keep us posted!!!

[Not so Lucky]

I definatly know it is not for hCG detection and never had a copier, printer or fax service or supplies. I have been searching and haven't come up with anything. I sent letters to the 3 bureaus disputing the entry. Will have to wait and see what they come up with.

[imkimssister]

wow, thats great!! You really got on top of that one fast!!! let us know what you find out. I was reading last night..(when I'm not posting in the forum, I'm researching) that one of the most common errors that the credit bureaus make is putting someone elses judgement on your report. So see it does happen and can happen! Other errors are accounts being reported that aren't yours and duplicate accounts (the same account being reported more than once). keep us posted on what your disputes turn up! shirley

[stanley]

I agree with Shirley. Credit bureaus often mix up data and impose some others' information in your report. I think these types of mistakes are easy to remove. Hope your effort will succeed Tammy.

FYI, credit bureaus are supposed to respond within 30 days. If they cannot, you should send the second letter mentioning the date of the previous one. If they again fail to respond the second letter, you should write them requesting for removal of the entry. And you can seek for legal help as well. Keep us posted.