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Originally Posted by Trish  Is this debt being reported on your CRs? If you cannot find the DOFD (and yes you are right - date of first missed payment/date of first delinquency in which your acct never again became current) in your records, then you can check your reports. If you do not see the date on your CRs, the CRAs will have it.....you can call them up and ask them.
SOL in Tx is 4 years so if it was 2005, you need to find that EXACT date to see if it is possibly out of SOL. |
Trish.....I love you for making me look at these reports again. With 2 Capital Ones, I got them mixed up. They are about the same amounts. The one they are suing me for had a last paid date of August 2005, listed on both the Expeiran and the Equifax reports. I need to check my records, but if I confirm this it will be a lot better.
The laywer said it's still a fight and companies sue past the SOL all the time, but I feel that this really helps.
Thank you thank you thank you
****jumps up and down like a giddy school boy.