Reporting periods have nothing to do with SOL. FCRA reporting period is 7 years + 180 days from Date of First Default (DOFD). Are these accounts reported by the original creditor or a collection agency? When was the last time the data furnisher (DF) updated the tradeline(TL)? If it has been several years you might be able to dispute them off. If they show fairly recent updates then the DF may verify the TL. I've had it go boht ways. I was able to dispute several items off but I had one TL that showed 2004 as the last update. When I disputed it, the OC (GEMB) verified the tradeline. As a result, the tradeline showed recent activity with the update and my FICO dropped 65 points. YMMV

Sub: #1 posted on Sat, 08/30/2008 - 03:24

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