Reaging what do you do?

[sharlie]

I have been watching my credit reports to see which collection agencies are listed. I have an old account with Bank of America that I thought was past the 3 year mark to be sued, But on my credit report they are showing that I am making payments and not deliquent when in fact I am years deliquent.
What does one do if a creditor is reporting this.

[treehugger1]

You are in a tough situation. The SOL is a defense. Don't assume that creditors/CAs will automatically stop reporting or even reporting correctly just because of a SOL. It is my understanding that the SOL is an affirmative defense if you are sued for a SOL beyond your state laws. It is your respopnsibility to raise this. Others more knowledgeable can weigh in here. Keep in mind that the credit reporting agencies will keep reporting for up to seven years + some additional. You could dispute with each reporting agency, but then again, you might open a can of worms.

It is interesting that they are reporting you not delinquent. This doesn't seem so bad! When is the date of last activity being reported?

Overall, this sounds very strange to me, and you might need to consult with competent legal counsel.

[AngelinaCat]

In this case, SHUT UP!!!!

Say nothing further. HUGGSS!!!

[BigJohn]

"If you are paying", it is a plus for your credit.