statue of limtations

[Anonymous]

I have several accounts that are on my credit report that has pass the statue of limtation for New York which i belive is 6 years, i would like to know how do i go about disputing these accounts?

And another question i have a car loan that im the joint borrower (it is a 1+ old)  the payments are never late or missed, what will happen to credit (thats is very poor) 

[trnl2016]

Welcome!

You don't dispute accurate items just because they are past SOL. SOL just means that you can no longer be sued for those items. If you're interested in getting rid of the items, your options would be to request a pay for delete or wait until they age off at about 7.5 years from the date of first delinquency.

[Anonymous]

But the time as passed

[grillandwinemaster]

You said they are six years old. They can stay on your credit report for up to 7 1\2 years. 

[RobertEG]

The statute of limitations is set by your state as the time in which the creditor must initiate a civil action if they seek a court judgment.

It has nothing to do with exclusion of information from your credit report.

Credit report exclusion applies to specific adverse items that have been reported to your credit report.

Each type of derog has its own period for credit report exclusion.

If you list the derogs that have been reported under each account,then we can state when it will become excluded.

[TXinandout]

Of course dispute them, no guarantee it will be deleted.

Too many puritans around here.

[Anonymous]

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@TXinandout wrote:
Of course dispute them, no guarantee it will be deleted.

Too many puritans around here.

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One could easily end up "shooting oneself in the foot", should the accounts be dormant and end up being updated as a result of a dispute.

[RobertEG]

it is not a matter of puritanism, it is a matter of not disputing based on an issue that has no merit.

Expiration of a statute of limitations on initiating civil action has no relevance to credti report exclusion, period.