TL Questions

[cdaugherty]

With the help of online forums I have started rebuilding my credit. So far I have 6 deletions on Trans,3 on Exp and 2 on Equ. It's strange to me that some items were deleted so easily from TU and verified on other CRA. I have a couple EX accounts causing questions, any information will be helpful. I'm in Ohio and I've heard various numbers for SOL. Should this account still show a balance with a charge off ? It's also showing a past due amount of $2440.00 and all information has been verified.





Kay
Status as of Jan, 2011 Date opened [?] Jun, 1999 Date of last activity [?] Sep, 2004 Largest past balance [?] $4,492 Account Type [?] Revolving Account holder [?] Individual Industry Jewelers




LVNV is reporting a balance of $5564.00, 120 days past due and as a Factoring Company. This information has also been verified. As with the last one any help with this will be appreciated.


Lvnvfundg
Status as of Feb, 2011 Date opened [?] Nov, 2005 Date of last activity [?] Oct, 2004 Largest past balance [?] $4,815 Account Type [?] Open Account Account holder [?] Individual Industry Factoring Companies

[Lian]

Kay/LVNV
If your date of last activity on the Kay OC account was back in 9/2004, that implies a DOFD prior to 9/2004. The DOFD is the only date relevant to continued reporting by the debt collector. Do you know the DOFD on the OC account? Is it outside of the 7 1/2 year CR time limit under FCRA 605(c)?
Additionally, your SOL may also be expired.

Lvnvfundg
Similarly, what is the DOFD on the OC account?