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rpr wrote:I am trying to clean up things that I have neglected for a long time.I've read all the recommended topics for us newbies but still have the following questions.1. I assume that the correct SOL for a collection is the state you were in when the debt was incurred, not the state you or even the creditor is currently in?2. The relevant date for determining when things will fall off report is the DOFD?? Is this the only term for this date??3. When trying to dv, pfd, and gw, should you focus on items reported in the last two years? In other words, does the stuff older make that much of a difference?For this one, I'd say start with the newer & work backwards. *usually I had a cap one baddie with (from the myfico reports) 9 flags on one & 8 on another! That was my highest flagged acct so I hit them first. All my baddies are from about 3.5 yrs ago & backward, but those still come up as one of the main neg's concerning my FICO score.Thanks in advance.YW!
rpr wrote:I am trying to clean up things that I have neglected for a long time.I've read all the recommended topics for us newbies but still have the following questions.1. I assume that the correct SOL for a collection is the state you were in when the debt was incurred, not the state you or even the creditor is currently in?2. The relevant date for determining when things will fall off report is the DOFD?? Is this the only term for this date??3. When trying to dv, pfd, and gw, should you focus on items reported in the last two years? In other words, does the stuff older make that much of a difference?Thanks in advance.