Now that weve got that covered, we need to understand the - TopicsExpress

Now that weve got that covered, we need to understand the difference between debt owed and debt reported. Just because something is reported on your credit report, does not mean you owe a cent of that by law. In other words, what you did is not what you do. This is where the Statute of Limitations on debt comes in. The S.O.L. has nothing to do with your credit report. Main thing to know is the Statute of limitations represents how long companies have to successfully sue you in the court of law for debt owed. Your CREDIT REPORT, on the other hand, is a legal reporting of credit related activity which is governed by the Fair Credit Reporting Act (FCRA) and items outside of chapter 7 bankruptcy, fall off after 7 years from initial default. Recap: Statute of limitations - your ability to be sued (4 years for CA). Credit report - a legal collection of credit related activity. Once an account has defaulted, been charged off and sent to collections, there is nothing legally you can do, including paying it to legally remove both of those negative items. You can request it be updated as Paid- Collection but its an accurate negative accounting of your debt. It can be LESS negative but never ever ever positive, by federal law. Straight from the Federal Trade Commission on how trying to pay to remove ACCURATE negative items is illegal -->> consumer.ftc.gov/articles/0058-credit-repair-how-help-yourself And more information on the Statute of Limitations on debt for your specific state, here -->> credit.about/od/statuteoflimitations/a/entirestatesol.htm

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