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  1. So I started this process back in 2009, having some luck, but due to disability and medical, I never was completely successful. However, on another note.... have a baddie from a utility company. I was successful years ago in having it removed from all but one credit bureau. Its past SOL for state, and I really want to have it removed as I want the best rate for a new mortgage. I have had letter templates saved for years but cannot seem to find what I write to OC and CRA when its past SOL. Now heres the catch, its past SOL for state, but not past 7 1/2 yrs for reporting to CRA. Do I have any hope? And for everyone, I have looked, searched in search box for SOL letters or advice, cant find anything that pertains directly to my issue. Any advice, steps, or just point me to a round about letter I can use as template so I can mold into what I need would greatly be appreciated. Thank you so very much! oh ps: its a chargeoff in negative closed accts, not an active collection
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