kiakia123 Posted April 26, 2003 Report Share Posted April 26, 2003 Hi all,My paycheck was recently garnished by PRA(they bought the account from Sears). The judgment was entered on 12/13/02. I just found out that the SOL is 3 years in Maryland . On my credit report the last date of activity is 2/1999. Is this leverage to get the CA to remove this from my credit report? They are going to report it as satisfied, but I want it removed. I'm also checking to see if they are licensed to collect in my state.Thanks for your help. Link to comment Share on other sites More sharing options...
kb9tbq Posted April 26, 2003 Report Share Posted April 26, 2003 Judgment SOL takes precidence over the creditors SOL.My guess is that you have both a judgment & collection tradeline showing on your credit report. So you will want to negotiate with them to dismiss the judgment & delete the collection account & update the original creditor to reflect paid as agreed.Be lucky if you can get all 3 of them things accomplished though. Collection agencies rarely have negotiating ability over what the original creditor is reporting. So it will take part negotiation & part disputes with the CRA to accomplish what you want. Link to comment Share on other sites More sharing options...
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