Debt Consolidation

How do you dispute something on your credit report?

There are a few items which have been reaged by a collections agency and they cannot do that. The SOL has passed and they should be removed from my credit report. Also, when you view your credit report where is the "date of last activity"? All I see is the open date and last reported date. The last reported date can’t possibly be the date to go by because then the companies can stay on your credit report forever. I have never had problems about stuff dropping off before but Capital One refuses to drop off and the three different collection agencies (for one card mind you) keep reporting a new date opened. This is ridiculous. How can I get them off? It has been 8 years now and they are still on there.

Tags: 8 years, capital one, collection agencies, collections agency, credit report, new date, sol

Is the SOL on credit card debt determined by the state you currently live in or where the debt originated?

Is the Statute of Limitations on credit card debt, determined by the state you currently live in or where the debt originated?

I have a debt that I stopped paying on in Jan 2002. I acquired the debt while living in Texas and stopped paying it while living in Texas. My husband is military so we have lived in Missouri for the past 4 years.

The SOL for TX is 4 years for open accounts (credit cards) and for MO it is 5 years. Either way, the SOL has run out on this debt, however I am still wondering which would apply to us since we are military? We claim TX as our home/residence.

Thanks!
This debt was sold to a debt collector years ago.

I have known others that have written cease and desist letters so I am not so sure that SOL on card debt is a "myth".

Tags: cease and desist letters, Credit Card Debt, credit cards, debt collector, myth, open accounts, sol, statute of limitations

Can a collection agency pull a consumer’s credit report after the debt is past statute of limitations?

It is listed as a hard credit inquiry on debt that is past statute of limitations for both reporting and legal collection.
It is past the sol on credit reporting and is time-barred for collection through the courts.

Tags: credit inquiry, credit reporting, sol, statute of limitations