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  1. brokebutnotdown
    I have a couple of charge offs that are 4.5 years old and the OC's still report a past due balance. I find it hard to believe that an OC would hold this debt on their books this long. I disputed with the CRA's and they both came back verified. The SOL in my state is 4 years. Has anyone experienced this? The two OC’s are USAA Bank and Discover.

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