I'm in New York State, so the SOL on CR TLs is 5 years. But 5 years from WHEN? Only one CR is showing this account. It says: Date opened 7/1997, Reported since 11/1999, Date of status 3/2000, Last reported 3/2000. Now. I found a link that took me to a legal definition of the start of the SOL, and it said (if I'm interpreting correctly) that the SOL starts 180 days from the date the first action occurred that began the process leading to the collection activity. That would mean that the SOL for this account would be 6 months (180 days) from WHEN? The date I incurred the actual debt and/or was first billed by the OC, which would have been in February 1997? The date the CR shows opened, which is July 1997 (the date it went to the CA, I presume)? The date it was first reported to the CRA by the CA, which seems to be November 1999 (though that seems an awfully long lapse between a report to collections and a report to a CRA, more than two years)? It was paid off in 3/2000, and the SOL couldn't have started running from that date. The link I read was clear on that at least. My confusion comes from the date opened/date reported, more than two years apart. Which of these dates are valid for counting the SOL? Or can I start it even earlier, at the first billing from the OC? I believe I got the first bill a month or so after the surgery (this was a physician's bill for surgery in a slip-and-fall accident). Bizwiz advised me in another thread to start with disputing the account as not mine. It is mine, though, and if they come back and validate it as mine does that have any effect on coming back with, "Okay, it's mine, so now I'm saying it's SOL"? And if it is SOL, shouldn't I just go that route? If I can count it from the Date Opened date of July 1997, that would fit. 180 days from July 1997 would be January 1998, and the 5-year SOL in New York would have been up in January 2003. I wouldn't even have to bother with trying to validate the date of the first billing from the OC. This is only on my EX CR and I have a Bank One rejection letter from July 2003 that says they used EX and the reason for the rejection was "Your credit report reflects chargeoff(s) or bad debt collection(s). This collection account is the only one, in fact the only neg, on the CR. The other neg factor on all my CRs is the high balance-to-CL ratio, but if they didn't mention that as a neg factor in their letter then would I be on the track in assuming if I get the collection TL deleted from EX CR, they would grant credit? Truth is, I completely forgot I'd applied for that card -- it was an ad on Amazon.com, my second home and I applied because you get a good rate and also $30 credit on Amazon. This was before I got the outlandish rate hike from Chase and came here and learned about available credit and FICO scores and debt-to-income ratios, etc. So second question: Would I be smart to get that collection TL deleted and try again for Bank One? If so, should I just reapply through Amazon.com like a new app or contact Bank One and ask for a reconsideration? Or should I get the TL deleted and just cool any additional credit requests until I get what I have paid down and cancel a couple of cards? My TU and EQ reports both said my FACO/FICO scores were lowered by having too many revolving accounts open. The only recent hard inquiry on this CR is the Bank One inquiry in July 2003; another one was November 2002, also Bank One (I believe that was from a pre-approved mail solicitation) and one from October 2002 from MBNA (pre-approved mail solicitation from a professional organization). Both of those were rejected but I don't remember why; I think I just said "Oh well" and tossed the rejection letters. Two more things: This CR has "Self-employed" in Personal Info section; should I ask for change to this, will they verify, will it affect CC application? This CR has one incorrect address and one address over 15 years old. Should I ask to have these deleted? Thanks a bunch!