ssrider Posted January 7, 2008 Report Share Posted January 7, 2008 I have a credit card debt that I haven't made a payment to in about five years. I signed up for the card in Mass., but have lived in Cali. for about 5 years. The MA SOL is 6 years, the Cali. SOL is 4 years.Also, I haven't received anything from the CA in a long time. I don't know if they know where I live and they do not have my phone #. The debt has ballooned to from $8,000 to $20,000 in the control of the CA. I have no paperwork on the account, so I'm not sure of exact dates. It keeps being re-aged with the CRA.Should I contact them with a DV? or let sleeping dogs lie until the Massachusetts SOL runs out? Link to comment Share on other sites More sharing options...
CarolinaBlueEyes Posted January 7, 2008 Report Share Posted January 7, 2008 Leave it alone.. the SOL that you are under is where you currently reside.. so if you are in Cali as indicated in your postline THAT is the SOL you go byIt doesnt matter where you opened it or where you lived before.. if you have not heard LET IT GO... because if you do wake em up and you are within the SOL and make a payment you start all over again. the MA SOL does not go into play here at all.they TECHNICALLY an sue in MA but my lawyer says is NEVER happens because they would have to sue you there and move the judgement to where you live now.. and the judge would have to know the MA laws.. trust me doesnt happen. So if you are still in Cali you are free and clear Link to comment Share on other sites More sharing options...
ssrider Posted January 7, 2008 Author Report Share Posted January 7, 2008 Thanks for your reply. Eventually I'm going to have to get this off my CR. How can I do that if it looks like they keep re-aging it? Link to comment Share on other sites More sharing options...
ssrider Posted January 7, 2008 Author Report Share Posted January 7, 2008 Well, on my CR it says past due as of Dec. 2007, reported since 02/2007, and date opened 01/2007. Nowhere does it say how old the account really is. I'm new to all this so forgive my lack of knowledge.Thanx Link to comment Share on other sites More sharing options...
ssrider Posted January 7, 2008 Author Report Share Posted January 7, 2008 The OC is not on the CR anymore. I have tried to contact them in the past to no avail. How should I approach the CRA about getting this info.? Link to comment Share on other sites More sharing options...
ssrider Posted January 7, 2008 Author Report Share Posted January 7, 2008 Once I have determined the correct age (I'm sure it's past the SOL), should I then pursue getting it off my CR? What's the first step to removing it from my CR? The CA is not bothering me, it's just hurting my credit. Link to comment Share on other sites More sharing options...
CarolinaBlueEyes Posted January 8, 2008 Report Share Posted January 8, 2008 You are confusing two different animals..,.. the SOL for being sued is NOT the same as reporting... the DOLA (date of last activity is what you need to look at but it will remain on your credit report for seven years)Make no mistake they CAN sue after the SOL for that has run however you have an affirmative defense.. what that means is if they sue and you ignore it.. they win by default so you are not home free if you choose to ignore it.. many collectors do this because they depend on people no showing.. its free money.. so be aware YOU can be sued but you have a response.Again reporting on your CR will remain for seven years.. regardless of the SOL for collecting. Link to comment Share on other sites More sharing options...
ssrider Posted January 8, 2008 Author Report Share Posted January 8, 2008 I understand the difference between the SOL (4 years in Cali) and the date it comes off my CR (7 years), and I know they can still sue me. I guess what I'm asking is that if I haven't heard from them (CA) in a while, and I know it's past the SOL, should I contact the CA with a DV to try and see if everything's legit and maybe get it removed from my CR, or should I wait more years until it goes away on its own.Experian says "scheduled to be on record until JUN 2011" But this would mean I would have had to make some sort of payment in 2004, correct? I don't recall making any sort of payment in 2004.Once again, I don't want to spur the CA (UNIFUND, by the way) into action, but I would like to clean up my credit.I hope I make sense, Thank you all for your help. Link to comment Share on other sites More sharing options...
ssrider Posted January 8, 2008 Author Report Share Posted January 8, 2008 sorry, nascar I didn't see your last post before I posted. I did an online dispute with the CRA and it came back as verified. Link to comment Share on other sites More sharing options...
ssrider Posted January 8, 2008 Author Report Share Posted January 8, 2008 I guess I need to call the CRA'S tomorrow and get the DOFD. When I disputed online (before I knew of this website) a few months ago, I just disputed that I didn't know who the CA was, and that I had no knowledge of the debt listed. Maybe that wasn't the smartest move.You mentioned a "payment large enough to bring the account current", I thought a payment of any amount would start the time line over.I don't recall making a payment of any amount in 2004. Link to comment Share on other sites More sharing options...
Amerikaner83 Posted January 8, 2008 Report Share Posted January 8, 2008 Not sure - it's dependent on California state law. Most liekly, any payment will reset the SOL...but it's really a moot point, as OP doesn't plan on paying Unifund (good!) Link to comment Share on other sites More sharing options...
Amerikaner83 Posted January 8, 2008 Report Share Posted January 8, 2008 I'd dispute again - this time in writing - not online. Link to comment Share on other sites More sharing options...
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