Jump to content

please verify I have right info b4 I blunder


The last post in this topic was posted 4320 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Recommended Posts


I'm going by FCRA:

 

-CITE-

15 USC Sec. 1681c 01/08/2008

-EXPCITE-

TITLE 15 - COMMERCE AND TRADE

CHAPTER 41 - CONSUMER CREDIT PROTECTION

SUBCHAPTER III - CREDIT REPORTING AGENCIES

 

-HEAD-

Sec. 1681c. Requirements relating to information contained in

consumer reports

 

-STATUTE-

(a) Information excluded from consumer reports

Except as authorized under subsection (B) of this section, no

consumer reporting agency may make any consumer report containing

any of the following items of information:

(1) Cases under title 11 or under the Bankruptcy Act that, from

the date of entry of the order for relief or the date of

adjudication, as the case may be, antedate the report by more than

10 years.

(2) Civil suits, civil judgments, and records of arrest that,

from date of entry, antedate the report by more than seven years or

until the governing statute of limitations has expired, whichever

is the longer period.

(3) Paid tax liens which, from date of payment, antedate the

report by more than seven years.

(4) Accounts placed for collection or charged to profit and loss

which antedate the report by more than seven years.

(5) Any other adverse item of information, other than records of

convictions of crimes which antedates the report by more than seven

years.

 

 

I think your thinking of the following paragraph ( I removed (6) bc it was already too long & not needed):

 

 

© Running of reporting period

(1) In general

The 7-year period referred to in paragraphs (4) and (6) of

subsection (a) of this section shall begin, with respect to any

delinquent account that is placed for collection (internally or

by referral to a third party, whichever is earlier), charged to

profit and loss, or subjected to any similar action, upon the

expiration of the 180-day period beginning on the date of the

commencement of the delinquency which immediately preceded the

collection activity, charge to profit and loss, or similar

action.

 

 

I could be researching in the area though. I have been all through the Ohio Revised Code and from what I could understand I'm pretty sure pertains to SOL for filing. (And if you live in Ohio you know that's a whole other topic :grin:)

Edited by butterfly152407
Link to post
Share on other sites
I have a satisfied judgment in Ohio that was filed with courts on 6/09. This IS the date I go by for removal right? Not the "motion for judgment filed" date in 10/09? All resources say "filing date" or "date of entry".

 

Really want this off my reports. Any help appreciated.

 

well, I guess that wouldn't make sense, now would it? :angry:

 

how about 6/02 and 10/02, respectively.

Link to post
Share on other sites

The last post in this topic was posted 4320 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.




  • Member Statistics

    • Total Members
      180,602
    • Most Online
      2,046

    Newest Member
    Jleonard2004
    Joined
×
×
  • Create New...

Important Information

Guidelines