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Statue of Limitations


in2deep
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I am trying to determine (on my credit report) where to locate when I can begin counting for statue of limitations. Is it the charge off date 9/2002 or last time a payment was made 06/2002.

It's been almost 4 years (limitation) and have just recently (11/05) been contacted (for the first time) by collection agency. I sent validation letter and 30 days have lapsed.

Any suggestions?

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Statute of Limitations runs from the first time the account went continuously delinquent and was never again brought current and no payments ever made. The DOLA on your reports would normally be the last payment. SOL would start 30 days after that last payment if no more were ever made.

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