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Too soon to start thinking about repair and cleanup?

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Curious, when do you start the repair\cleanup process (disputing, etc.).. I am about 30 months from the DOFD on all my collections, charge offs, etc.. is it too soon? My concern is I do not want to awaken sleeping giants either as I have LOTS of time left on the my states SOL which is six years.

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yes, if you start cleanup now, your collections score will rise and you will start getting calls nonstop and likely end up getting sued.


you have to lie low and wait out the SOL.

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You might consider opening a single secured CC right now. Anything you do puts you at risk for anything inside SOL right now though.

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