browneyedgurl4 Posted July 25, 2003 Report Share Posted July 25, 2003 I have been reading the boards and learning as much as i can!! Trying to clean up my BF credit first!! I have learned enough to know to always begin with disputing as not mine first. Which i did online with TU and EX and got his first results, here they are:TU out of 5 disputes, 2 were verified one was changed from owing to collection paid , 1 was deleted and 1 was completely ignored. That one i am unsure what to do about. EX out of 3 disputes, 2 were verified(same 2 as TU) and 1 deleted What is my next step here? DV or more disputes first?Also, i am a little concerned about him getting sued, because when i started the disputes, he got a letter from a CA which he had NEVER heard from that actually owns most of his collections he needs to get taken off. One of them was just deleted which they own, but the SOL is not up on these. The closest one is suppossed to come off record on 10-03. The rest are said to be on record until 8-05,and so on. Should i try to keep a low profile on these? Worth mentioning, the one collection that is scheduled to continue until 10-03 also says past due as of 7-2003, 5-1998. Isn't this reaging? Thanks to all who help educate me!!! Link to comment Share on other sites More sharing options...
melisadawn Posted July 25, 2003 Report Share Posted July 25, 2003 To help aomeone answer this question for you please let us know what state you are in for SOL. I had a CA from Asset Acceptance. They are good for sueing from what I hear. And was told since this account was for 1997 and SOL in Ohio is 20yrs to not send a DV letter unless I was able to pay if it was verified. Link to comment Share on other sites More sharing options...
browneyedgurl4 Posted July 25, 2003 Author Report Share Posted July 25, 2003 sorry, i forgot to add that i am from IL. I checked the SOL is 6 years. Wow, the SOL is 20 years in OH? That is crazy, and should be illegal!!That raises another question for me, what are medical bills considered as far as for the SOL. Are they open ended? Written.. etc? ? ? Medical bills are mostly what my boyfriend's old collections are. Link to comment Share on other sites More sharing options...
melisadawn Posted July 25, 2003 Report Share Posted July 25, 2003 Yes it is crazy. Wish it was lower. Some have said that if you do DV take in account SOL and if it is a newer account not to validate unless you have the $$$. CA come out of woodwork when going through this process lol. I did not send a DV for Asset but did dispute with 2 CRA before I was told not to and 1 removed other did not. But it is a repo and found laws that repos SOL is 4 yrs (car was auctioned ) so if I get the nerve and they send a letter I will do DV. Sorry I was told since Asset has NOT contacted to leave it alone. To not open can of worms. But if they contacted you I am not sure kb9 is good for answering questions like this. Link to comment Share on other sites More sharing options...
solponig Posted July 25, 2003 Report Share Posted July 25, 2003 browneyedgirl wrote:That raises another question for me, what are medical bills considered as far as for the SOL. Are they open ended? Written.. etc? ? ? Medical bills fall under goods and services. This is the case in Indiana, and in most states. The S.O.L. is normally 4 years on goods and services. The four year period begins when the C.A. is assigned the account; not when the medical services are rendered. The date of last activity is what you use to calculate the 7 year reporting period. Hope this helps. Link to comment Share on other sites More sharing options...
melisadawn Posted July 26, 2003 Report Share Posted July 26, 2003 All I know is on my CR med. bills show as a credit card. Open ended ect. I am not sure. Link to comment Share on other sites More sharing options...
creditmess Posted July 30, 2003 Report Share Posted July 30, 2003 To help aomeone answer this question for you please let us know what state you are in for SOL. I had a CA from Asset Acceptance. They are good for sueing from what I hear. And was told since this account was for 1997 and SOL in Ohio is 20yrs to not send a DV letter unless I was able to pay if it was verified.20 years in OH??? I know its 15 years for Judgement and 6 years for collection, CC accounts!!Where did you hear that its 20 years in Ohio for collection?????what kind of account? Link to comment Share on other sites More sharing options...
melisadawn Posted July 30, 2003 Report Share Posted July 30, 2003 The SOL link at the top of page. You put in state and hit the find SOL button right beneath. Link to comment Share on other sites More sharing options...
curlytop Posted July 30, 2003 Report Share Posted July 30, 2003 Medical bills fall under goods and services. This is the case in Indiana, and in most states. The S.O.L. is normally 4 years on goods and services. The four year period begins when the C.A. is assigned the account; not when the medical services are rendered. The date of last activity is what you use to calculate the 7 year reporting period. Hope this helps.Wow! That's really good to know. Where do you find out if that holds true in Calif.? I have a few medical collections that I thought were out of SOL, but maybe not!? What if it is reassigned? Link to comment Share on other sites More sharing options...
Recommended Posts