Getting hard copy

[OaimeeO]

So I got my equifax report from myfico.com a few days ago. Is this considered a hard copy? If so, there are no addresses listed for collectors for me to contact.  How do I get this info?

Also, I know the SOL is different for each state, but for RI where I live it is 10 years. So does this mean the accounts can be listed for 10 years? I don't really understand the SOL and its terms. Could someone send me a link to more info? Or just explain?!

[Junejer]

There are a couple of ways to find out info for CAs. Google or on your full reports directly from annualcreditreport.com.

CRTP governs how long something may remain on your reports, not SOL. SOL tells you how long a creditor may be able to win a lawsuit against you (this is of course the reader's digest version).

Read this.

[OaimeeO]

Thanks! Off to read now!

[Anonymous]

A hard copy of your CR is any printed copy from the CBs.  If you receive it online just print it out. As stated you can receive a free CR from annualcreditreport.com

SOL  is set by each state. It is the time limit in which a creditor can file a lawsuit against you. (federal law  DOFD)    SOL may go by DOFD or DOLA   which ever each uses.

The link that ByrdMan gave you should help with the state info.

Message Edited by HappyDays on 01-10-2009 11:42 AM