Question About Credit Report
Date: Tue, 01/16/2007 - 18:18
If I am watching the SOL for something on my credit report, do I go by the "Date of Last Activity" or "Date 1st Major Delinquency?" This is something on my Equifax credit report, but it's not on Transunion or Experian. Also, where would I find info on the SOL for Ohio? BTW, I can't dispute this item b/c it is actually something that I screwed up :(
I believe it's the "Date of Last Activity". The SOL for Ohio is
I believe it's the "Date of Last Activity". The SOL for Ohio is 6 years for open accounts, including credit cards. I have pm'd you info for SOL for Ohio.
SOL generally goes by your last payment date (or the last time t
SOL generally goes by your last payment date (or the last time that you acknowledged the debt in writing).
The 7-year period for an item to be removed from your credit report goes by the date-of-first-delinquency. However, if you bring the account current and then go delinquent again, it goes by the "most recent" date-of-first-delinquency.
