Any suggestions on this?

[lucky3]

OK first sorry for all the post i have been putting up lately but im trying to get all the info I can before i start taking on the task of cleaning up my credit. Ok for one, i am in the clear as far as SOL goes on all my collection accounts, charge offs and what not according to my CR. But i have seen on here where it says not to go by what your CR have but by you statements and documents. Well i have no statements from the past or anything. I bascially got into a rough patch in life. I put myself in depression on trying to deal with my debtand collection agencies. So finally I said to hell with it all and threw away everything and just ignored it all and had mentality of wait 7 years and start over. Well im in my late 20s now gotten wiser and trying to deal with it all.

So how would i go about trying to find out exact dates of when deliquency started. Do not want to contact CA or OC in fear of restarting SOL. But have read on here not to go by CR dates. Or is that not true? Should i go by the dates on my report?

Please some help for a lost, clueless credit repairing hopeful. LOL

[YoUrFrIeNdMiKe]

have your credit reports handy and start disputing all negative items. dont be overly concerned about who what when where why at this juncture. dont send too many letters at once. read divemedic's primer for newbies, it gives step by step instructions. amerikaner83 has cut and pasted it. search it out. you are going to do well.

[lucky3]

Ok I am going to read it. Only thing i need to ask is, when i dispute the negative item, what in my letter to them do i right that im disputing. Everything or what? Sorry I feel lost in all this.

Also i dispute the TL with the CRA not the CA and OCs right.

[rmuse00]

Also i dispute the TL with the CRA not the CA and OCs right.

That would depend on who is reporting the tradeline on your credit report. If it is an OC than they are not bound by the FDCPA however, per FCRA, would need to conduct an investigation, review info and report any errors to CRA's within 30 days, if requested by a consumer. You can read here to dispute with an OC. http://creditinfocenter.com/repair/DisputingWithOriginalCreditor.shtml

If you did not want to dispute with the OC you could dispute with the CRA.

If a CA is reporting the tradeline, which was probably assigned or transferred to the collection agency then you would need to ask for debt validation (DV). Here is a link on that. http://www.creditinfocenter.com/rebuild/debt_validation.shtml

Please note: just because debts are passed SOL does not mean the debt goes away or that they drop off your CR. The SOL basically gives you a defense incase a CA tries to sue you to collect the debt. Per the FDCPA, the SOL is how long a debt can llegally be collected, however, some states do allow collection past SOL so you want to be sure what your state laws are http://www.creditinfocenter.com/rebuild/statuteLimitations.shtml

Reporting negative history on your credit report is based on the FCRA which is 7 years from DOFMD.

FCRA (Reporting Period)

§ 605. Requirements relating to information contained in consumer reports [15 U.S.C. § 1681c]

© Running of reporting period.

(1) In general. The 7-year period referred to in paragraphs (4) and (6)(2) of subsection (a) shall begin, with respect to any delinquent account that is placed for collection (internally or by referral to a third party, whichever is earlier), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

Hope this helps.