SOL And Credit Report Removal?

[StennJ]

What is the name of your state?Hello All,
I recently pulled a copy of my credit report. I have a question for all of you. I have a few things on my report that are passed the 7 year mark since there was any payment made and no legal court action has been taken. It is my understanding that the SOL have expired and I was wondering how I go about having the credit reporting agencies remove them from my report. Is there some sort of request I must send them and if so could some direct me to a sample copy of a letter then I can send them. Thank you in advance for your help.

Jeremiah

 

[Ladynred]

When EXACTLY did these accounts first go continuously delinquent ??
Negative items stay on your reports for 7 years PLUS 180 days from that first deliquency date. So, if you defaulted in 1997, then they've got a few months to go before they drop off. If you defaulted in 1996 or earlier, before the FCRA was changed in '97, then they would drop off at the 7 year mark.

If they are so close to dropping off, you can try disputing them with the bureaus as 'obsolete', you might get lucky

 

[StennJ]

Thanks for the help, so basically they will just fall off on there own when it is time or do I need to do something when it hits the 7 years and 180 day mark?

Jeremiah

 

[Ladynred]

They *should* fall off on their own, but you should pull your reports anyway and if they are still on there and shoudn't be, dispute them as obsolete.

 

[StennJ]

Thanks so much for your help. I have a few more question, however I think I will give you a much deserved rest from my banter.

Jeremiah