mistakes on credit report
Date: Fri, 11/28/2008 - 20:45
The date you are referring to is the date that the CA first repo
The date you are referring to is the date that the CA first reported the tradeline to the CRA's. It has no bearing on the amount of time that it can remain on your credit report. The important date is the Date of First Default. That triggers the 7.5 year reporting period and should be the same date on the OC's and teh CA(JDB's) tradeline.
Thanks. And would that be a problem on my petition? Wouldn't tha
Thanks. And would that be a problem on my petition? Wouldn't that show that I was using these cards in 2007, when in fact I wasn't
debt
I'll tell ya..sometimes this 'SOL thing' can gt confusing. I know the state of PA..the SOL is 4 years. But.......can items stay on your CR for 7 years? Can you dispute them after the SOL is up?
Yes, all the ones that are showing the date of 2007 are accounts
Yes, all the ones that are showing the date of 2007 are accounts that have been turned over to collection agencies. So just to make sure I understand, that shouldn't affect my petition in any way?
Nope....turning it over to collections doesnt affect what your d
Nope....turning it over to collections doesnt affect what your date of last activity for the debt was.
The last date of activity, e.g., the last payment you made to th
The last date of activity, e.g., the last payment you made to the the orginal creditor and/or the CA, is the starting date of the SOL.
Quote:I'll tell ya..sometimes this 'SOL thing' can gt confusing.
Quote:
I'll tell ya..sometimes this 'SOL thing' can gt confusing. I know the state of PA..the SOL is 4 years. But.......can items stay on your CR for 7 years? Can you dispute them after the SOL is up? |
You can try to dispute them but they will likely be verified. You might get lucky if the date furnisher does not respond to the dispute w/in the 30-45 day time frame.