debt pass SOL but still showing 120 days past due

[rodzilla2013]

Hello all,

I have a debt on CR that is showing as 120 days past due but is over the SOL.  Does anyone have any idea how I can correct this??  It is with the OC..

[azguy13]

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@rodzilla2013 wrote:

Hello all,

I have a debt on CR that is showing as 120 days past due but is over the SOL.  Does anyone have any idea how I can correct this??  It is with the OC..

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Are you talking about the SOL on being able to collect or are you talking about the 7 years it can stay on your CR?

[DaBears]

SOL has nothing to do with being 120 past due with the OC. SOL is the time frame that a creditor has to sue. 120 past due is a major derogatory and will affect your scores for 7 yrs.

[rodzilla2013]

DaBears,

Thanks for the response...

I understand that, but its been 120 days past due for 4 years??  I would have thought the status would have changed by now.

[azguy13]

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@DaBears wrote:

SOL has nothing to do with being 120 past due with the OC. SOL is the time frame that a creditor has to sue. 120 past due is a major derogatory and will affect your scores for 7 yrs.

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Thats what I meant, not collect. 

Now I feel like an idiot, lol. I swear I knew that

[rodzilla2013]

Hey Azguy,

No worries I know what you meant :-)

[guiness56]

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@rodzilla2013 wrote:

DaBears,

Thanks for the response...

I understand that, but its been 120 days past due for 4 years??  I would have thought the status would have changed by now.

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Only when it is paid will that status changed.  If it is paid it is reporting wrong.  And this was the status of the account at the time it was CO'd or went to collections.

[Shogun]

It will most likely stay that way until paid.  Are they still updating?