Wrong SS number

[chelseagirl]

Got info on my credit card debt and the last number of my SS number is wrong. All paper work has the wrong number........ When I applied for the card it was a typo on my part because I entered my number wrong but I got the card anyway with the wrong SS number. How could I get a card with the wrong SS number???????? Also, I don't exactly understand SOL. Does it start after last payment was late or when it was turned over to a CA?????

[chelseagirl]

Is anyone familar with Social Security numbers and credit???? I don't know how they approved my account and gave me a card with the wrong number. Isn't it used to see if you have a good credit rating???? Is this illegal or just a mistake on their part???? Any info will be greatly appreciated, Thanks

[willingtocope]

As far as how credit reports are set up, SS# is only part of what they use to identify you. If you filled out an application for credit using the wrong number, that just got forwarded on to the CRAs. Really, the only time that SS# must be 100% accurate is when you're dealing with the government.

Statue of Limitations (SOL) is a state law. If someone tries to sue you for a debt that is older than the SOL for your state, you have an absolute defense against the suit. That doesn't mean they won't sue, or that you don't owe it anymore, or that they must stop trying to collect...it only means that if they do sue, you can use SOL as a defense. The date from which the SOL is measured is controlled by the state law...usually, this is the date on which the last payment was made.

Note that SOL is different than how long something can appear on your credit reports. That's controlled by a federal law...the FCRA (link at the top of the page)...and that's 7-1/2 years from the date of first delinquency (DOFD).