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SOL question

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Scupra
Super Contributor

SOL question

I have a legal item under "Public Records" on my report from 2005 that is payed for and done. Does anyone know what the statue of limitations is for something like that? I am located in AZ and from what I think it looks like 6 years. Just wasn't sure if there was special SOL for things like that.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
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Shogun
Moderator Emeritus

Re: SOL question

If the account is paid and done, then the SOL of your state or any state wouldn't matter.  It only involves the unpaid status and their ability to sue and get a judgement on you.  I assume you are referring to the CRTP (Credit Reporting Time Period) which marks how long it can stay on your CR.  This is 7 years + 180 days from the DOFD (Date of First Delinquency).

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 4
Scupra
Super Contributor

Re: SOL question

Odd, I just went to dispute it online with EQ and it doesnt show, BUT it is showing on my scorepower report. Maybe it hasnt updated yet?

 

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 3 of 4
Shogun
Moderator Emeritus

Re: SOL question

It should have been hitting the CRTP mark anytime now anyway.  Looks like it might have fallen off. 

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 4 of 4
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