Credit Card Center Advertiser Disclosure

New Contributor
Posts: 58
Registered: ‎06-16-2010
0 Kudos

Restart of SOL!!! Please Help!!!!

OMG!!!!  I have a ca that reports an old utility account on my credit report.  It was scheduled to fall off this October.  Only two more months!!!!  Well, now it looks like they have restart the sol.  Because now it's reported to all cra's as brand spankin new!!!  And scheduled to fall off in 2017.   It also says it was opened in 4/11.  So here's my side of this.  I have not spoken with anyone at that office acknowleding this debt verbally.  I actually don't recall speaking to anyone there.  BUT I'm wondering if I sent them a PFD letter earlier this year when I was doing some clean up and just can't remember it!  Truth is I don't recall this.  Would a PFD letter restart the sol?  PLEASE someone tell me what I should do to get this taken care of ?  IF threre is anything I can do.  Ugggghhh!

Starting Score: 577
Current Score: 621 TU, 686 EQ
Goal Score: 720

Take the FICO Fitness Challenge

Valued Contributor
Posts: 1,671
Registered: ‎05-24-2007
0 Kudos

Re: Restart of SOL!!! Please Help!!!!

BIG QUESTION - Do you owe the debt?


SOL does not mean that it automatically disappears. It is only a defense if they take you to court after SOL tolls.


As far as why SOL would seem to reset, I do NOT have any information.


I'm guessing since it is near SOL tolling, they are looking for their money.

Moderator Emeritus
Posts: 14,122
Registered: ‎04-15-2011
0 Kudos

Re: Restart of SOL!!! Please Help!!!!

Sounds to me like they re-aged the account.  Which it very illegal.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Frequent Contributor
Posts: 280
Registered: ‎04-16-2011
0 Kudos

Re: Restart of SOL!!! Please Help!!!!

+1. Maybe you should DV again. Its almost September. Look at your previous reports & determine what your DOFD is. By the time they verify or shift it to another CA, you would be past the credit reporting time frame. Once you are past that hurdle, send a c&d letter-cease & desist to the CA. If its still hanging on your report past when it is supposed to be gone, I believe you can dispute & give the reason that its past the reporting period. Check the SOL for your state. I'm not sure if utility bills fall under written contracts. As a matter of fact, check your SOL first!! If its not past SOL, dv & pfd. If its past SOL, then go back to my first suggestions. Smiley Happy

Starting Fico Feb 2011 EQ 570 TU 580 EX ?
May 2014 EQ 709 EX 684 TU discover 665

Closed on first home April 26, 2012!
Last app August 2, 2014. Gardening indefinitely!!!
Community Leader
Epic Contributor
Posts: 29,715
Registered: ‎03-19-2007
0 Kudos

Re: Restart of SOL!!! Please Help!!!!

I think there is a big mixing of apples and oranges here.


Creditors and debt collectors dont set or reset your statutory date of limitation on repayment of a debt.  Your actions do that.  Your statute of limitations on legal obligation to repay debt is based on your state civil code, and it is initially the date of your first delinquency in the most recent chain of debt delinquency (your DOFD).  That defines the date which, thereafter, they can choose to seek a court order to require repayment.  Each state has its own civil code which provides both the period of running of its period for legal repayment obligation, as well as various provisions for possible reset of the running of that period.  So you must consult your state civil code to determine the date of expiration of your legal repayment obligatin.


Credit report has nothing to do with setting or resetting the SOL for legal obligation of debt repayment.  Credit reporting, in this case of a collection, has to do with items remaining in your credit report after 7 years plus 180 days from the DOFD on the OC account.  There is no reset of the DOFD, and thus no reset of the credit report exclusion period, after the expiration of the 7 yrs + 180 days.  That exclusion date is pegged, under FCRA 605(c) and 623(a)(5), only on the date-certain DOFD on the OC account.  The date a debt collector reports a collection, or reports any updates to its status, are meaningless as regards its CR exclusion period.  The "Date Opened" of a collection is only the date they received collection assignment from the OC.  It has zero to do with illegal re-aging.  Unless a debt collector has been shown to have reported a DOFD on an OC account that is later than the actual DOFD, that is not illegal re-aging of its CR exclusion date.  And that is not shown in most commercial credit reports.

To substantiate illegal re-aging, you must show that the debt collector made a specific reporting of a DOFD on the OC account that was different from what they are permitted to report under FCRA 623(a)(5).

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.