SOL according to bankrate.com... I don't understand! Most states claim 6 years!

[ah32]

If most states claim 6 years and some are even less, then why do most of us think it's 7 years? Plus, a couple of my derogs would have been removed through disputing.  I thought I would try early because they are already over 6 years old.  I have a couple of creditors calling now that I was stupid enough to add my phone number a few months back.  I've now removed my phone number.  The debts are at least 6 years old.  Any thoughts?

http://www.bankrate.com/brm/news/cc/20040116b2.asp?caret=8

[Anonymous]

The SOL is 6 yrs so you can't be sued but CA can still call you and try to trick into paying.

7 years is when it falls of your credit report two different things.

[fused]

---

ah32 wrote:

If most states claim 6 years and some are even less, then why do most of us think it's 7 years? Plus, a couple of my derogs would have been removed through disputing.  I thought I would try early because they are already over 6 years old.  I have a couple of creditors calling now that I was stupid enough to add my phone number a few months back.  I've now removed my phone number.  The debts are at least 6 years old.  Any thoughts?

I have noticed the bankrate link has not updated some of the changes in SOL with a few states. Also, there is a difference between SOL and CRTPs (credit reporting time periods). These threads should

help out. What would we do without Tuscani?

http://www.fair-debt-collection.com/statue-limitations.html

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=2689

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=8713

[Anonymous]

You are dealing with laws by the federal gov. and your state laws. Some state laws are more in your favor and deal with when & who can sue you, or get a judgment.

Read this thread by NOAH...it explains both

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=17466