Posts: 17,409
Registered: ‎07-14-2009
Re: Looking to repair my credit score

creditmonkey wrote:

updated to show progress in Original Post


I was granted a secured Cap1 card with a $300 CL, just waiting to get it in the mail!

Sent out some PFD's and DV's


My next question is, can something stay on your credit report if the SOL for your state is longer than 7 years.  I was looking about the apartment eviction account, which would be classified as a written account. In Ohio the SOL for written accounts is 15 years. Would this still drop off my report in 7 years?

SOL is not the same as CRTP (Credit Reporting Time Period). SOL applies to the amount off time a creditor has to file a lawsuit in an attempt to collect a debt. The CRTP specifies how long a derogatory item can be reported.




From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".