breturbo Posted January 30, 2019 Report Share Posted January 30, 2019 So I would appreciate some assistance in this matter if possible. I had another PRA suit, but this time I paid an attorney to fight and PRA dropped the suit. I have attached letter from court. They are still reporting this debt on my credit reports even though they dropped suit. This debt will be 4 years old as of March 1 2019 which is when I made my last payment on this credit card. Can someone please advise a logical next step? How do you go about fighting credit card debt that is past the 4 year SOL in Texas? new doc 2018-05-16 10.55.28_20180516105537.pdf Quote Link to comment Share on other sites More sharing options...
Harry Seaward Posted January 30, 2019 Report Share Posted January 30, 2019 Because the case was not decided on the merits or dismissed with prejudice, it was not determined to not be your debt - just that they decided they would not pursue it. They can legally report this debt to the CRAs, and because the CRAs use a 7-year SOL for reporting and not the 4-year Texas collection SOL, it can legally remain on your report for 3 more years. You can try disputing the debt with the CRAs and see if they remove it, or possibly commit an FCRA/FDCPA violation, but as I said, there is nothing inherently illegal about them *accurately* reporting this debt. Quote Link to comment Share on other sites More sharing options...
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