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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
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
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