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7 Year Clock??


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You are confusing two very different concepts.

Each state has an SOL determined by the state. they usually run from 3 years to 15 years (ohio) depending on where you live.. the SOL is used in case you are sued (yes they can still sue out of SOL ) and you use it as an affirmative defense in court that the SOL has run and they can not recover anything.

the time limit for reporting is a credit report thing.. again totally different when things fall of your report after seven years of your DOLA (date of last activity).

So even if you have something that is out of your states SOL it can still be reported since in MOST cases the SOL is shorter then the reporting period.

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