So it sounds like you have a collection on your reports with NCC Business Services. Can you confirm that the collection is for > $99?
Certainly if you think that the original owner of the debt can convince NCC that you don't actually owe them any money, go for it. I wouldn't get your hopes up about that -- they sold that debt to NCC for a reason, so they likely believe that you do owe them money.
You mention the SOL for the debt. That's not relevant as far as how long the collection can remain on your report. A different set of laws govern that. It's 7.5 years after the debt went delinquent. So I guess that would be March 2021.
thanks for responding-i cant prove the balance.. it was an eviction, not based on non payment of rent, but due to a long series of lates due to my pay schedule at the time.. so i left on good terms with the local management and i made sure i was paid up when i left to the best of my knowledge- she even gave me an extra week after the eviction took place to move my stuff since it was so sudden. i think someone in corperate office jumped the gun and gave it to NCC right away as they never tried to collect on anything themselves. i just dont want to have something start reporting or something-i brought up the SOL , not for reporting but just to show they cant get me in court and collect.