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Thorn in my Side

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gtnitright
Regular Contributor

Thorn in my Side

Am I within SOL-- I've posted about this before. I want to know if this is within the SOL before I pay the CA. I was trying to hold out until it drops off in 2016 but every time I get a FICO update this lowers my score.
MACY'S/DSNB (XXXXXXXXX6420)
Show/Hide Details
Account opened: 11/2009 Description: Consumer disputes - reinvestigation in process
Amount in high credit is original charge-off amount
Previously reported Newly reported
Balance: $510
Past due: $510 $510
Status: Bad Debt; Placed for collection; Bad Debt; Placed for collection;
Last activity: 11/1/2010 11/1/2010
Description: Consumer disputes this account information
Account closed at consumer s request
Charge off account
Charge Consumer disputes - reinvestigation in process
Amount in high credit is original charge-off amount
MACY'S/DSNB (XXXXXXXXX6420)
Show/Hide Details
Account opened: 11/2009 Description: Consumer disputes - reinvestigation in process
Amount in high credit is original charge-off amount
Previously reported Newly reported
Balance: $510
Past due: $510 $510
Status: Bad Debt; Placed for collection; Bad Debt; Placed for collection;
Last activity: 11/1/2010 11/1/2010
Description: Consumer disputes this account information
Account closed at consumer s request
Charge off account
Charge Consumer disputes - reinvestigation in process
Amount in high credit is original charge-off amount



Starting Score : EQ 635. TU 632 EX 635
Goal Score: 700. br >
.Nordstrom $800 Loft/$800 Cap 1/$3900 Amex BCE $9000br >
Message 1 of 4
3 REPLIES 3
gdale6
Moderator Emeritus

Re: Thorn in my Side

What state are you living in and what is the DoFD of this account??

Message 2 of 4
gtnitright
Regular Contributor

Re: Thorn in my Side

I live in the great state of Texas.

I know my score will bounce back after the investigation but this just hurts. I went from 722 to 673 EQUIFAX
Starting Score : EQ 635. TU 632 EX 635
Goal Score: 700. br >
.Nordstrom $800 Loft/$800 Cap 1/$3900 Amex BCE $9000br >
Message 3 of 4
gdale6
Moderator Emeritus

Re: Thorn in my Side


@gtnitright wrote:
I live in the great state of Texas.

I know my score will bounce back after the investigation but this just hurts. I went from 722 to 673 EQUIFAX

STATUTE OF LIMITATIONS (IN YEARS) Texas

Open Acct.: 4

Written Contract: 4

 

It would be from the DoFD of the account.

Message 4 of 4
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