Credit Card Center Advertiser Disclosure

Valued Member
Posts: 39
Registered: ‎04-06-2012
0 Kudos

Does a dispute reset SOL?

About two or three years ago I paid off a debt, and they agreed to remove it from my credit report. I have a letter from them saying they would completely remove the debt from all credit reporting agencies. I was not taking a proactive step at that time to actually make sure that they did what they said they would. The SOL is 6 years. If I dispute this, will it restart this? I don't want to lose the dispute over a technicality or something and then I restarted the clock on this.



Super Contributor
Posts: 9,668
Registered: ‎01-28-2010
0 Kudos

Re: Does a dispute reset SOL?

[ Edited ]
The SOL is the period of time in which a creditor can bring legal action against you for unpaid debt.

The CRTP ( credit reporting time period ) for negatives is 7 to 7.5 years from the DOFD of the original account.

Neither one of these could be reset by a dispute. Since your have a written letter from them stating that they were going to delete the account, I would follow up with them directly and get them to follow through.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
0 Kudos

Re: Does a dispute reset SOL?

[ Edited ]

Be sure not to confuse SOL with CRTP. SOL is the time frame a creditor has to sue you for an unpaid debt. There is nothing you can do at this point to ever reset SOL because it is paid. SOL is over. The credit reporting time period (CRTP) is 7-7.5 years and assuming for a second that you were referring to that, a dispute will not reset the time clock on CRTP (or SOL if the debt was unpaid).


ETA....slow typing skills have the best of me yet again.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.