jwillvin wrote:In 2001 I lived with my cousin for a month in Virginia. I made a huge mistake and put the phone and electric in my name for him. (I should have realized why he couldn't put them in his name in the first place) He never paid either bill. I've lived in Ohio since then and they're being reported on all 3 of my CRs from two different CA. One, Hilco receivables is due to fall off in November of this year. The second, AFNI shows a date of April 2009.Does it matter if they were accts in VA but I live in Ohio and the SOL is different in each state. Do I have a valid dispute here for that reason. can I possibly get them removed earlier.Thanks for all the advice as well!!