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Trying not to wake a sleeping giant

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letrav
Member

Trying not to wake a sleeping giant

I have an account that I believe is past SOL, but I'm not sure. I live in Delaware where the statute is 3 years. I have a GECRB Home design credit account. Stats are as follows:

Opened - June, 2010

Reported Since - March, 2010 (I don't know how this is possible)

Last Reported - July, 2011 (it is in collections)

This Account is scheduled to continue on record until November, 2017 (considering this is 7 years, 3 years would be November 2013?? Beginning or end?

Last Payment - January, 2011

Charged off July 2011?

 

Is it safe to send debt verification now? If not when? Should I dispute Reported since, March cannot be correct if it was opened in June. Does the collection account follow the same SOL considering I've never spoken to or paid anyone. Thank you in advance

Starting Scores (Aug. 17) Exp. 527 EQ. 481 TU 475
Current Scores (Oct. 17) Exp. 587 EQ. 529 TU 544
Goal Scores (April 18) Exp. 710 EQ. 700 TU 690
Message 1 of 3
2 REPLIES 2
DaBears
Senior Contributor

Re: Trying not to wake a sleeping giant

You need to know when the DoFD was on the account. The last time you made a payment and never caught up or paid again. The DoFD is very important to know before proceeding with anything.

 

 

DaBears

Message 2 of 3
letrav
Member

Re: Trying not to wake a sleeping giant

Transunion says "date of last payment, 12/17/2010

Equifax says "Date of last payment 12/2010

30 days past due as of February 2011 but "ok" prior that 

Starting Scores (Aug. 17) Exp. 527 EQ. 481 TU 475
Current Scores (Oct. 17) Exp. 587 EQ. 529 TU 544
Goal Scores (April 18) Exp. 710 EQ. 700 TU 690
Message 3 of 3
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