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Well this is my first post here. Been working on my credit for awhile now. Time warner was in collections a few months ago I believe. And it finally came off with disputes and now it's back with a different company. So I called the company and said Prove it's mine. So they are sending me everything they have i guess. The lady on the phine said it was from Oct. 2007.
So now my question is this should come back off in Oct or 2014 and the SOL should be up by then right. I am in Ohio. Also what is my best plan of attack for this yet again.
@sam5828 wrote:Well this is my first post here. Been working on my credit for awhile now. Time warner was in collections a few months ago I believe. And it finally came off with disputes and now it's back with a different company. So I called the company and said Prove it's mine. So they are sending me everything they have i guess. The lady on the phine said it was from Oct. 2007.
So now my question is this should come back off in Oct or 2014 and the SOL should be up by then right. I am in Ohio. Also what is my best plan of attack for this yet again.
If the DOFD was in October 2007, then it would be eligible for report exclusion in Oct 2014. However, the CA would be allowed up to 180 more days to have this TL excluded.
However, the SOL for each state varies and often differs than the amount of time an item can report on the CRs. From what I could find, the SOL for written contracts in OH is 8 years.
@baller4life wrote:
SunriseEarth I love your siggy. Cracks me up lol!! OP see what happens during validation with the CA. You could always contact Time Warner and ask them to recall debt and pay them directly. That's what I did with Directv.
The only thing I find funny in my siggy is my Macy's CL. LOL
@sam5828 wrote:Well this is my first post here. Been working on my credit for awhile now. Time warner was in collections a few months ago I believe. And it finally came off with disputes and now it's back with a different company. So I called the company and said Prove it's mine. So they are sending me everything they have i guess. The lady on the phine said it was from Oct. 2007.
So now my question is this should come back off in Oct or 2014 and the SOL should be up by then right. I am in Ohio. Also what is my best plan of attack for this yet again.
Anyway, back to your original concern. Since you are within SOL (assuming DOFD was October 2007), would you be able to PIF? I would attempt to see if they'd do a PFD for a settlement, but I'd only poke this bear if you could PIF.
But before any of that, I'd make sure the DOFD was correct.