Disputing at the 7-year mark?

[Anonymous]

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@MarineVietVet wrote:

If they are reporting past the CRTP why have you not done so? I don't often advise someone to dispute but there are times to do so.

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While I have written letters to collection agencies to cease and desist for "their" ongoing collection attempts way beyond SOL and CRTP, I did not know what the proper procedure was for dealing with the CRAs.  Now that I have been properly educated, I will proceed accordingly!

Honestly, I really do learn something new here everyday.  

THANK YOU!!!

[Anonymous]

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@Anonymous wrote:

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@MarineVietVet wrote:

If they are reporting past the CRTP why have you not done so? I don't often advise someone to dispute but there are times to do so.

---

While I have written letters to collection agencies to cease and desist for "their" ongoing collection attempts way beyond SOL and CRTP, I did not know what the proper procedure was for dealing with the CRAs.  Now that I have been properly educated, I will proceed accordingly!

Honestly, I really do learn something new here everyday.  

THANK YOU!!!

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Someone can correct me but the SOL (depending on which state) only covers the window for lawsuites.  It's not the date or time frame on which a deliquency should no loger be reported.

[RobertEG]

Yes, SOL relates to legal obligation to pay a debt.  If legal action is brought at the consumer shows expiration of the SOL, it is a time-barred debt that can no longer be legally recovered.

Expiration of any of the credit report exclusion periods is totally unrelated to SOL and governs only the continued ability of the CRA to include the information in the consumer's credit report. It is a block of CR inclusion.

Expiration of any of the credit report exclusion periods does NOT bar any party from continuing to report the information.  The periods are a bar against the CRA from including the information in credit reports they issue, not a bar on creditors or debt collectors from reporting the information to the CRAs.

[LIGHTNIN]

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@Anonymous wrote:

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@Anonymous wrote:

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@MarineVietVet wrote:

If they are reporting past the CRTP why have you not done so? I don't often advise someone to dispute but there are times to do so.

---

While I have written letters to collection agencies to cease and desist for "their" ongoing collection attempts way beyond SOL and CRTP, I did not know what the proper procedure was for dealing with the CRAs.  Now that I have been properly educated, I will proceed accordingly!

Honestly, I really do learn something new here everyday.  

THANK YOU!!!

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Someone can correct me but the SOL (depending on which state) only covers the window for lawsuites.  It's not the date or time frame on which a deliquency should no loger be reported.

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You are correct. SOL and CRTP are two different things.