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Joined: 11 Mar 2009
slsmjr's page
Posts: 1

32 Magic Points

Subject: SOL question
Posted on Wed Mar 11, 2009 8:56 pm  

If there are no collection calls being made by a company listed on my credit report, but it's still listed as an outstanding debt....does the SOL apply to this? can i feasibly write the credit bureau and have it removed. I have tried to dispute items directly to the credit bureau and have received no response, however the items have not been removed? Please help.


Joined: 27 Jun 2006
carol's page
Posts: 1299
Location: Los Angeles, California

30065 Magic Points

Posted on Thu Mar 12, 2009 7:33 am  

Yes, Statute of Limitation starts from the date of your last missed payment towards the debt and its duration varies from state to state. If your debt is listed in your credit report, the SOL will definitely apply to it. Now, if the debt is past SOL, the creditor cannot collect the debt, but the debt will show in your report for seven years and six months from the date of your delinquency and it cannot be removed before this period.
Keep in touch


Joined: 28 Jun 2006
scott's page
Posts: 446

10890 Magic Points

Posted on Thu Mar 12, 2009 8:36 am  

Correct and accurate information can never be removed from your credit report. If the debt that is listed in your credit report is correct, it will stay there for seven years and six months and can only be removed if you can make the creditor agree to pay for deletion agreement, so that the negative information gets removed from your credit report as soon as you pay off the debt in full.

Use your credit account responsibly and enjoy a debt free life.

Subject: thank you
Posted on Thu Mar 12, 2009 3:08 pm  

thank you for your help.

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