Hey again, Man, I'm blowin' up the board this week! Sorry for the multiple posts. Lots of questions, and trying to fix my credit enough to get into a home relatively soon. So, I have 3 Accts in question from my wifes Experian report (they are reporting to all 3). I live in MI, so the SOL here is 6 years. Now, my wife has three accounts WFNNB/EXPRESS, GECAP/AMEAGLE, MACYS (Ugh, dept. store cards...) Anyhoo, the Express Card is reporting that it was opened in Feb of 2004, and was last reported (dont really know what this means) in 04/2009. It says it was purchased by another lender, but the Payment History goes all the way back to 2004, and shows a DOFD of 30 days on Sept of 2006. The American Eagle Card, same deal with date opened and last reported. Status is Pd, Closed $601 written off. Again, payment history shows First 30 day on May of 2006. Finally, the Macy's card shows opening of 06/2006, last reporting of 12/2006. Status is closed, $70 past due as of Dec 2006. Payment history shows nothing recent, DOFD on this one is a 60 day in Sept 2006. Now (whew!) I'm not really sure 100% how the SOL works. I'm not sure if it applies here because some of them are closed, so I may just be better of disputing and hoping they dont verify? Anyone have any advice with these?
