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Sorry title should be tolling. DH's DOFD on mortgage was 2008 state of GA. We are now living in NC. Which SOL applies? Can somebody help me with this please. TIA

Good evening CB'ers! It's been years since I've been on the forum - going thru life's changes and experiences that have placed me back to where I began when I first found this site. Started re-reading through the forum, getting re-acclimated, and have my reports. My credit is trashed yet again...most of it my own fault; I let things go after the divorce proceedings started. I ended up walking away, losing everything except for my car (another story). I figured that instead of being disgusted, I would roll up my sleeves and start the repair. I've opted out, and am in the process of deleting my old addresses, bad numbers, etc from all three reports. After reviewing them I decided to create a spreadsheet that contained all of my "baddies", amounts owed, DOFD, calculated SOL (based on DOFD), and what the status is showing on each of the three bureaus. All of my delinquient CC's have been CO - majority of them sold. One secured a judgement and they garnished my wages before I got laid off so it's a paid CO. Summary of CC Status (as reported): 4 CO-Sold - SOLs range from 12/12 to 1/14 5 CO - SOLs range from 5/13 to 5/14 2 FC - SOLs 11/14 and 6/15 I also have 11 CA accounts reporting as well, all except 3 are within SOL. My question is that if a debt per OC reporting is currently outside the SOL (I'm in IL, SOL=5yrs), but was sold before the SOL - JDB/CA in most instances report same DOFD as OC - does the SOL clock 'restart' with the JDB/CA since they purchased the debt? I'm kinda confused on that since I didn't have that issue before. I've been combing the boards and couldn't find that particular answer so I figured I would ask I want to be able to go in with guns blazing after the address disputes come back. I'm sure I will have more questions, but I figured I'd start somewhere. Any response would be greatly appreciated. You guys have always been AWESOME

I finally summoned the courage to conduct Why Chat's special SOL letter campaign and have had terrific results, as shown below: TU - 3 CA deletes, 3 medical deletes EXP - 1 CA delete, 2 medical deletes EQ - 1 CA delete, 2 medical deletes These are the final results from the CRA's after the initial dispute letter, follow up letter to CA's, and then subsequent letter to CRA's. They are stubborn! The CRA's say something like this, "We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact,..." So, now what do I do? I suppose I could sue, but in all honesty, I need a lawyer for that. I know I couldn't represent myself well. Also, I have all the remaining OC's on my reports but they are showing as charged off. Techniques to delete these? Thanks for any suggestions or links to info to help me get these accts from 2009 off my reports. Once these are concluded - I will tackle the voluntary repo with Why Chat's repo letter..... cheers!

Is posting a negative item on your credit report a form of collections? If this is the case then wouldnt you be able to get a CA or OC to remove the baddie from your report after the SOL has past?

I sent this company a 1-2 punch and why chat's sol letter combination. They sent me a letter that they are "unsure as to the nature of my request." The first 2 sentences of my letter states "This is not a refusal to pay, but a notice that your claim is disputed. This letter responds to your verification of this account on my Equifax, Experian, and Transunion credit reports." At the end it basically says to prove that I owe you. In their letter they also say that if I would like copies of historical statements and other documentation for me to fill out their request form for my convenience. In their form they want me to put my full name, SSN, DOB, and wants to charge me $2 per statement, payment checks or original credit application and for me to sign and date. Another problem I had was that they sent this letter to my old address. I moved 2 months ago. I have changed my address to all my credit cards and the letter that I sent them had my current address. Luckily I'm still getting my mail forwarded to my new address. However USPS have emailed me letting me know that they will stop forwarding my mail 12/31. And to make sure that I update my address because I would not receive any mail sent to my old address. The thing that I don't understand is if they had my current address, why didn't they send me any kind of communication. I've never received anything from them during the CO, but it could be my fault during that time I lost my job and was moving from my brother's place to my parent's house looking for a job. Should I respond with a broad 623 letter similar to Sassy's or Jack Attack? And, how should I address them sending me this letter to my old address? I just want them to mess up so I can go through BBB and CFBP and get this crap deleted. Any help would be appreciated?

Hello All, I have a question for the infinite knowledge of the boards, and hope I can get some clarity on this. I have three relatively old accounts that were charged off late 2007 / early 2008. The question in, should I attempt to contact them now and offer a pay for delete in order to remove them from my report before buying a house? If so, what is a realistic percentage I should target for this settlement? The accounts are as follows: Chase - SOL ends on 12/2013 PNC Bank - SOL ends on 02/2014 Capital One - SOL ends on 02/2014 I live in Ohio where the SOL is 6 year (from what I am able to gather). I know these things are going to fall off my report in about 18 months, but I would like to get them taken care of ASAP as I am buying a house in the next six months. Any advice is greatly appreciated! If you need any other information, let me know.

Just curious.... When moving from one state to another how is residency established for SOL purposes? Is it just by claiming to now live there or would you need to have that states driver license, proof of rent or mortgage, registered to vote there, or have lived there for a certain period of time? I'm imagining that having one of those or a combo of those is enough to claim residency…

Without thinking , I just took a call from Portfolio Recovery. Without thinking AGAIN, I gave them my current address (they had been sending stuff to a 5 year old address). I told them I didn't recall this debt, didn't believe it was mine and to send me paperwork. I truely don't remember this debt, and now I realize they're calling because the SOL is up this month. Please tell me I didn't just screw up and start the SOL over again. I feel like an salamander . I just started trying to fix my CR, just started with removing outdated addresses and stuff. Now I hafta jump in and deal with this, ug. On another note, it's amazing how CRs collect addresses. On mine, there's one address, written different ways: XXX Some St. AptE133 XXX Some St. Apt e133 XXX Some St. E133 XXX Some St. E 133 The only difference in some of them is just a space or the apt part, lol. Its led to my report having about 20 different looking addresses on it, when I've actually only lived in 5 places my entire life. Sorry, I ramble when worried, I don't want to start the SOL over again. And I'd really hate it if Portfolio called and restarted it just before the end, it would be like they won or something. Any ideas how to proceed? Jen

Hi everyone - I am cleaning up credit issues and *stupidly* sent Whychat's initial dispute letter to CRA which resulted in PRA sending a validation letter showing date of last payment of 4/10 - (I had another acct with same OC with DOLA as 2009 so I must have not paid attention very well to this other acct). Well in FL, that's 7 months within SOL. The amount is under $600 - so it's not awful but still I'm scared I woke a sleeping bear? What do I do now?

I have an account from Pioneer Military Lending from 2007, reporting to one CRA (Experian) that is schedule to continue on record until March 2014. That's about 5-6 months depending on if Experian removes automatically. Is it worth disputing now or should I just let it roll off in a few months?

I received a collection letter that is within the SOL and is not reporting on any CRA (yet). Should I send a DV letter or ignore it for the time being? Any input would be greatly appreciated.

Hello, I have a loan from Rhode Island that I believe is a private loan that I've just found out that maybe in litigation. I am not sure because I have JUST come back to the country after being an expat for 2 years. I was laid off from my job 2 years ago and decided to leave the country. Those 2 years were spent not worrying about student loans or credit cards and starting a family...but now I'm back and am checking my google voice and it seems I had a call from them 7 months ago about this loan. It's for about 6K I believe, and I took it out in 2006? Is there SOL in RI...even though I am in TX? How do I find out if it's a private loan or a federal backed on? It was not a stafford or a perkins. What is my best course of action? Non of my creditors can find me, as I left and didnt leave an address (although they have my parent's address) and the number on file is a google voice.

Earlier this year after I applied for a credit card, within a few days or so, Portfolio Recovery soft'd my credit report that the lender pulled. A couple months later, they sent me a debt letter. I applied for credit just under a month ago and the very next day, Portfolio soft'd the report that this lender pulled as well. I don't understand the point of this. The debt letter they sent me a few months ago said, due to the age of the debt, they won't report it and they won't sue. Minimally, the debt is 10 years old. So they know they can't sue or report and I'm clearly ignoring them yet they keep trying to collect. I just wish that it was included in the FDCPA that once a debt is beyond SOL for reporting and lawsuit, the JDBs can't pull your credit reports. I suspect I'll receive another letter from them soon because there is only one derogatory account left on the report they pulled and if they compare it to the previous one, they will notice I've been doing some serious repair. They might think they actually have a chance. It would be laughable if it wasn't so annoying.

I had a credit card through 1st Financial Bank USA that I opened in 2004. My last payment was in 2010 and it was charged off in June of 2010. The SOL in my state, Maryland is 3 years. Legally they cannot sue me for the debt. In addition, they have stopped calling me (THANK GOD). But they are updating faithfully every month that it is charged off, which is very annoying. I would like to offer them a PFD but am afraid that it will somehow start the SOL over. Any suggestions on how I could word this? I don't want it totally deleted, because it is my oldest account, I really just want the charge off and any subsequent information deleted. Please HELLLPPPP!!

Hi Everyone, I'm new to Credit Boards, so please be kind. To give you a little background, back in 2007, I was laid of as part of a corporate buyout, which left me without income for 6 months. I eventually found a new position, which required relocating to another state. Thankfully, I've been happily employed with my new company for the past 6 years. However, as a result of my unemployment, I had two auto loans that were reposessed in Sept & Oct, 2007. Loan #1 is reporting a deficiency balance of $11,382. Loan #2 is reporting a deficiency balance of $16,798. Both are reporting active lates each month, which is why they are hurting my credit report so much. They are both past the SOL (which is 6 years, both in the state of Repo and my current state). I verified the DOFDs with the OCs, and they are set to fall off my credit report in April & May, 2014. However, my wife and I would love to get these off my report sooner, so we can think about purchasing a home while interest rates are low. These two trade lines are keeping us from qualifying. Here's how they look on my CRAs: 1. Nissan-Infinity LT (address, phone) (account #) (address id#) Date Opened: 4/2006 First Reported: 4/2006 Date of Status: 11/2010 Type: Auto Lease Term: 39 months Monthly Payment: Not Reported Credit Limit or Original Amount: $27,272 High Balance: Not Reported Recent Balance: $11,382 as of 5/2013 Status: Account charged off, $11,382 written off. This account is scheduled to continue on record until April, 2014. Creditors Statement: Involuntary Reposession/Balance Owing 2. US Bank (address, phone) (account #) (address id#) Date Opened: 6/2006 First Reported: 6/2006 Date of Status: 7/2008 Type: Auto Lease Term: 48 months Monthly Payment: Not Reported Credit Limit or Original Amount: $39,797 High Balance: Not Reported Recent Balance: $16,798 as of Jan, 2013 Status: Account charged off, $9,312 written off. $2,345 past due as of Jan, 2013. This account is scheduled to continue on record until May, 2014. I'd love to dispute these using Why Chat's guidelines. I've opted out, deleted as many old addresses as I could, & pulled carfax reports. Now I'm not sure which process is the best under my circumstances. Should I dispute these using Why Chat's Repo Letter or Why Chat's SOL Letter? In your opinion, which would have the fastest results? I'd like to get these off as quickly as possible. Thanks in advance for all your help.

http://www.legis.state.pa.us/cfdocs/billinfo/BillInfo.cfm?syear=2013&sind=0&body=H&type=B&bn=1633 Section 1. Section 4 of the act of March 28, 2000 (P.L.23, No.7), known as the Fair Credit Extension Uniformity Act, is amended by adding a subsection to read: Section 4. Unfair or deceptive acts or practices. * * * (b.1) By debt collectors or creditors.--Notwithstanding the provisions of subsections (a) and ( , it shall constitute an unfair or deceptive debt collection act or practice under this act if a debt collector or creditor fails to provide a consumer with: (1) written verification of the debt or judgment, which notice contains the information specified in section 1692g(a) of the Fair Debt Collection Practices Act (Public Law 95-109, 15 U.S.C. § 1692 et seq.); and (2) when the applicable statute of limitations has expired on the debt or judgment or the debt or judgment is no longer legally enforceable, written notice of that fact

Hi Everyone , Brief background. In 2008 as a junior in college I got into a terrible car accident that settled 5 years later and left me with medical debt and credit card debt. I have read as much as I can find on SOL, but nothing quite answers my questions. I lived in Chicago, IL for 24+ years. All the baddies/defaults occurred in Illinois. DOFD occured in 2008 for majority of all baddies. Therefore, SOL is up this year and passed for many. I know that SOL for IL is 5 years. However, 2 years ago I moved to Northwest Indiana. SOL here is 6 years Which one applies? I feel stuck in regards to DV'ng them if I get sued and have no affirmative defense. Additionally, everything is set to fall off my report by 2015 (federal SOL) . There are one or two stragglers for 2016 and 2017. I did some disputing with the CRAs a year ago and got some of the baddies removed. Went from a 518 to a 604. Not too shabby. However, I have 4 of the worst on my credit reports: 2 Midland 1 LVNV 1 Asset Acceptance (which was just purchased by Midland) I don't know what my game plan should be?? If the SOL is now NWI, then what? If SOL is still applicable to Chicago, IL -- I can poke the bear, horse, snake, all I want and just bug em' until the sun comes down or until 2015 Any advice is greatly appreciated.

If a DOFD is August 2009, and the SOL is 4 years, is it outside SOL now (July 2013) or will it not be outside SOL until next month (August 2013)? Thanks!

California SB 233 passed the Assembly Monday on a 72-0 vote. In late May, the bill passed the state’s Senate on a 36-0 unanimous vote. The measure now goes to California Governor Jerry Brown for signature. Takes affect on January 1, 2014. http://www.leginfo.ca.gov/pub/13-14/bill/sen/sb_0201-0250/sb_233_bill_20130702_enrolled.pdf

Well, this is karma, since I just post the other day on someone's topic that I would never hear from these jokers again. Haha on me. I think they troll the forums. Anyway here is the deal. I just got ANOTHER letter from Convergent, after I thought this was taken care of. A brief backstory: I got a letter from Convergent in Feb for a debt that is not mine, and is way (9 years) out of SOL. I DV, and got a response from Convergent stating: We no longer hold the above referenced debt, we are submitting to the reporting agencies to have anything deleted. (there has never been anything on my reports). I went back and forth with Resurgent about this, they could not validate, aside from a printout that was exactly what the original Convergent letter said. I told them again it's not mine, you didn't validate and it is time barred. Never heard from them again. Oh, and every letter after the first had the "Due to the age of this debt we cannot sue and we cannot report it.." clause. Yesterday, I get another letter from Convergent!! Same account, same crap. Although, this time my Convergent letter has the "Due to the age we cannot sue and cannot report" clause. So, what should I do here? Another DV to Convergent and Resurgent along with a copy of their first letter saying they don't have the debt? A FOAD letter to both? Just ignore it at this point? I cannot believe they would send a response saying they don't have it and will delete everything from reports (of which there is nothing) and then turn around and try this crap again! Well, actually I can believe it, since I realize they can try to collect forever on this, they just can't do anything about it, and their own clause even states that. Advice?

I am still new at all of this, I have printed off the Glossary of Terms from the Newbies section, the FCRA, and the FDCPA. From what I have read so far, utilizing the FCBA is difficult as it only deals with OC billing requirements. This is where I am confused, on several threads, State SOLs are discussed, but I do not know if state SOLs supercede the other rules. I am in Nevada and what I found is as follows: ACTIONS OTHER THAN FOR THE RECOVERY OF REAL PROPERTY NRS 11.190  Periods of limitation.   Except as otherwise provided in NRS 40.4639, 125B.050 and 217.007, actions other than those for the recovery of real property, unless further limited by specific statute, may only be commenced as follows: 1.  Within 6 years: (a) An action upon a judgment or decree of any court of the United States, or of any state or territory within the United States, or the renewal thereof. (  An action upon a contract, obligation or liability founded upon an instrument in writing, except those mentioned in the preceding sections of this chapter. 2.  Within 4 years: (a) An action on an open account for goods, wares and merchandise sold and delivered. (  An action for any article charged on an account in a store. © An action upon a contract, obligation or liability not founded upon an instrument in writing. (d) An action against a person alleged to have committed a deceptive trade practice in violation of NRS 598.0903 to 598.0999, inclusive, but the cause of action shall be deemed to accrue when the aggrieved party discovers, or by the exercise of due diligence should have discovered, the facts constituting the deceptive trade practice. So, does this only mean that an CA can only attempt to collect a debt for 4 years, or that they may only leave on a report for 4 years. Am I even looking in the right place? I appreciate any help, Please.

So, I am up to renew my security clearance and even though the item falls off in 2015 I had to go ahead and make payments to show that I am attempting to make good on my debt. Section 16.065 of the Texas Civil Practice and Remedies Code provides the following: An acknowledgment of the justness of a claim that appears to be barred by limitations is not admissible in evidence to defeat the law of limitations if made after the time that the claim is due unless the acknowledgment is in writing and is signed by the party to be charged. I wriote a "goodwill" letter BUT DID NOT SIGN IT to start making payments in exchange for updating my accout to "pays as agrees" status and removing the late payments and charge offs. My question is at the bottom of the post. Well this is the email correspondence between a representative and I: Ms., Lenders are not required to send monthly updates to credit bureaus about accounts that have been charged off. Our method of reporting is in full compliance with all applicable statutes and regulations. I am sorry if you are dissatisfied with this response, but unfortunately that does not change the situation. We will update your credit report after you have repaid the balance in full. Respectfully, Calvin Copeland Recovery Accounts Manager Pioneer Services A Division of MidCountry Bank 4700 Belleview Avenue, Suite 300 Kansas City MO 64112 Phone 800-335-1955 ext 2296 Fax 816-448-2248 Free from Germany 800-181-5325 Free from Korea 00-308-131-128 Free from Japan 00-531-13-0597 ccopeland@pioneerservices.com From: Dinah Sent: Monday, April 29, 2013 5:55 PM To: Calvin Copeland Subject: Re: Private Correspondence: Your attention is required I am paying pioneer on the loan now and if it is not reported as payments being made that is inaccurate reporting to the credit bureaus and a direct violation of Texas Finance Code 392, FCRA. Sent from my iPhone On Apr 29, 2013, at 1:07 PM, Calvin Copeland <ccopeland@pioneerservices.com> wrote: Ms. , Once you have finished paying the loan in full we will notify the credit bureaus accordingly. The charged-off status is permanent and cannot be changed on the credit report. Best Regards, Calvin Copeland Recovery Accounts Manager Pioneer Services A Division of MidCountry Bank 4700 Belleview Avenue, Suite 300 Kansas City MO 64112 Phone 800-335-1955 ext 2296 Fax 816-448-2248 Free from Germany 0800-181-5325 Free from Korea 00-308-131-128 Free from Japan 00-531-13-0597 ccopeland@pioneerservices.com From: DINAH Sent: Monday, April 29, 2013 11:49 AM To: Calvin Copeland Subject: Re: Private Correspondence: Your attention is required Good morning, I noticed that the first payment was debited from my account already. Now that I am making payments with Pioneer and will continue to do so until the loan is paid off can Pioneer update my credit reports to reflect that information. This loan is still showing as charged off and it is still with Pioneer and I am now paying on it. Also I was wondering if the status could be changed to pays as agreed instead of charged off? Thank you for your time. From: Calvin Copeland <ccopeland@pioneerservices.com> To: 'DINAH Sent: Tuesday, April 9, 2013 2:41 PM Subject: RE: Private Correspondence: Your attention is required Ms. , This email is to confirm the terms of payment arrangement we reached today. You have agreed to pay $300 per month until your Pioneer Services loan account is paid in full, and have indicated that you plan to increase the monthly payment amount when you have finished paying off some other debt(s).The first payment will be withdrawn on 26 April in the amount of $300. Thereafter, payments will be $150 on the 1st and 15th of each month. Payments will be withdrawn from the Bank of America checking account you provided today unless you contact us to have payments withdrawn from a different bank account. Please note that we need a minimum of two business days advance notice prior to a scheduled payment date to make a change to the payment account. Calvin Copeland Recovery Accounts Manager Pioneer Services A Division of MidCountry Bank 4700 Belleview Avenue, Suite 300 Kansas City MO 64112 Phone 800-335-1955 ext 2296 Fax 816-448-2248 Free from Germany 0800-181-5325 Free from Korea 00-308-131-128 Free from Japan 00-531-13-0597 ccopeland@pioneerservices.com This is what was written by centex on a previos thread Post #9 http://creditboards.com/forums/index.php?showtopic=422851&hl= : No, a payment in Texas does not restart the clock except and unless there is a written agreement between the parties. Surely your classes at St Mary's covered the Civil Practice and Remedies Code (specifically Section 16.065)... While some States ARE a last-payment jurisdiction, Texas is NOT one of them unless the aforementioned section of CPRC is satisfied. While it was a 2002 3rdCoA (Austin) case instead of 4thCoA, I figured you probably would have seen Rambo and some if its progeny. Quote forgot to include (also from Rambo): Quote So my question is... Have I restarted the SOL on this debt. I have no intentions of not paying but they have no intentions of removing the charge off status and I really want that gone off my report in 2015 which is when it is due to fall off. I did write an agreement but did not sign it and they did not accept my offer just payment. Since they are not agreeing to the terms I asked for in my goodwill letter can I say that the SOL was not restarted because they did not agree to my terms? I have no choice at this point but to pay on the debt because I really want to keep my job.

So Midland Funding LLC is showing up on all 3 CR's as a CA for an old T-Mobile debt. I called T-Mobile to verify if the debt still belongs to T-Mobile. The rep explained that the debt of $731 was CO'd 01/01/2011, and sold to Midland in 2012 (can't remember exact date). On my Equifax report, there is an entry under the collections section for Enhanced Recovery Corp for a T-Mobile debt. I have never heard of this CA, and the T-Mobile rep that I spoke to made no mention of this company. Here's how Midland is reporting on each CR: TransUnion - Listed under Collections Placed for collection: 05/25/2012 Balance: $731 Pay Status: In Collection Responsibility: Individual Account Date Updated: 01/17/2013 Account Type: Open Account Original Amount: $731 Loan Type: Factoring Company Account Original Creditor: T MOBILE Past Due: $731 Remarks: PLACED FOR COLLECTION Estimated month and year that this item will be removed: 07/2017 Equifax - Reporting under CREDIT ACCOUNT INFORMATION instead of COLLECTION AGENCY INFORMATION Account Number: 855127XXXX Status: COLLECTION ACCOUNT Account Owner: Individual Account High Credit: $731 Type of Account: Open Credit Limit: Term Duration: Terms: Frequency: Date Opened: 05/25/2012 Balance: $731 Date Reported: 01/17/2013 Amount Past Due: $731 Date of Last Payment: Actual Payment Amount: Scheduled Payment Amount: Date of Last Activity: N/A Date Major Delinquency First Reported: 07/2012 Months Reviewed: 6 Creditor Classification: Activity Designator: N/A Charge Off Amount: Deferred Payment Start Date: Balloon Payment Amount: Balloon Payment Date: Date of First Delinquency: 08/2010 Type of Loan: Factoring Company Account (debt buyer) Comments: Collection Account Experian Listed under Credit Cards, Loans & Other Debt Account #: 855127XXXX Account Type: Debt Purchase Balance: $731.00 Past Due: $731.00 Date Opened: 5/1/2012 Account Status: Closed Mo. Payment: Payment Status: Seriously past due date/ assigned to attorney, collection agency, or credit grantor’s internal High Balance: Limit: Terms: 1 month Under 24/Mo Payment History: the status is listed as “KD” since 7/2012 What is the best method of removing these items from my CR's? The SOL here is 3 years, but how do I determine the starting point? Should I dispute with EQ and EX because it appears that Midland is reporting as an OC? I want to avoid awakening a sleeping giant, and I know that Midland has given many people a hard time when disputing. I'd appreciate any help with this.

I have been advised that I should not send a DV letter on an alleged account from a JDB, but rather wait approximately 6 months in hopes that the JDB does not file suit before the SOL passes. This account was charged off by the original creditor and by my accounts this has been with at least 2 to 3 CA’s or JDB’s prior to the current JDB. The thought is that by DV’ing the JDB it might bring more attention to the alleged account thereby causing them to file suit. I have other items on my credit report that I would like to dispute such as charge offs, and late pays. If I start to work on these items and am successful in getting these removed will this action also draw unwanted attention to my account from the JDB.

Hi, I am helping my boyfriend clean up his credit while I do the same to mine. We are in Mass and the SOL is 6 years. I have been doing a lot of research and understand that the FCRA states that there is a 7 year reporting period that begins on the "date of the commencement of the delinquency which immediately preceded the collection activity." After taking all the prelim. action like disputing addresses, opting out, etc. I am ready to start attacking his TL, it seems I should do the obsolete ones first. I want to make sure that I do not accidently dispute something that is within the SOL. These are the TL that are supposedly going to drop off soon... DSNB/Macys: Status: Charge off Balance: $252 Date Closed: 7/22/07 Beginning of delinquency b4 CO: 2/2007 Estimated month and year to drop off: 11/2013 Capital One: Status: Charged Off Balance: 1,682 Date Closed: 11/04/07 Beginning of delinquency b4 CO: 5/2007 Est. month and year to drop off: 3/2014 (says Feb 2014 on TU) HSBC: Status: Charged off Balance: $0 (purchased by LVNV) Date Closed: 4/11/2007 Beginning of delinquency b4 CO: 2/2007 Est. month and year: 12/2013 LVNV Funding: Status: In collection Balance: $656 OC: HSBC Date Opened: 1/30/2009 Est. month and year: 12/2013 After doing some research I have seen that EQ and TU will remove early and EX wont....What should I dispute as obsolete or otherwise and with which CRA? Thanks!