DivineDiva Posted March 18, 2005 Report Share Posted March 18, 2005 I've been trying to get Sherman to DV an account they are reporting with no success. While going through the numerous responses from the CRA that I've recieved over the past few months in response to my disputes, I found a TU report date 11/04 that shows the DLA as 1/98. That's over seven years! The CRA keeps verifying the debt. Can I dispute the item with TU on the grounds that it has exceeded the seven years and send copies of the TU report to the other agencies. Sherma n has been reporting two accounts. TU deleted one saying they couldn't find the account so they deleted it. The other two CRAs came back verified. How can one CRA not find the account but the other two can verify? Link to comment Share on other sites More sharing options...
willingtocope Posted March 18, 2005 Report Share Posted March 18, 2005 If I remember correctly, its 7 years plus 180 days before something falls off your CR...except for judgements, which stay for 10 yrs. So, you actually got until like August before this leaves your CRs. And...just because its off the credit report...and even if its beyond the SOL, CA can still try to collect. They're more limited as to what they can do, but they can still try. Link to comment Share on other sites More sharing options...
DivineDiva Posted March 19, 2005 Author Report Share Posted March 19, 2005 I don't care about them trying to collect. They gotta find me to do that! I just want it off of my credit report. Link to comment Share on other sites More sharing options...
score booster Posted March 19, 2005 Report Share Posted March 19, 2005 Judgments only stay for 7 yrs. from filing date, not 10!! Link to comment Share on other sites More sharing options...
willingtocope Posted March 19, 2005 Report Share Posted March 19, 2005 Correct...sort of...pick whichever applies:(1) Cases under title 11 [united States Code] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.(2) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. Link to comment Share on other sites More sharing options...
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