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account charged off as of 08/00


Guest mwd25
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Guest mwd25

i had a capital 1 cc that got charged off ,originally 08/00.how long can a ca come after me?just got a letter but i thought sol was up(live in az.)

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i had a capital 1 cc that got charged off ,originally 08/00.how long can a ca come after me?just got a letter but i thought sol was up(live in az.)

ca's can come at you forever really. You have to realize the mentality of these people. They will try to collect on anything regardless how old it is. However, if they try to sue you you have an absolute defense (sol). Also, if it was charged off in 8/00 then it should be removed from your cr this August.

Good luck and you should be fine in this situation.

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Actually, if it was charged off in 8/00, the DOFD is 2/00 (they usually will not CO until 6 mo past due). In my experience the CRAs will delete at DOFD + 7 yrs even though the FCRA says 7 yrs 180 days (180 days = 6 mo). I would dispute this with the CRA as obsolete if it appears on your CR.

I would send the CA the SOL letter.

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