I got myself into such a whole with my credit and recently started working on repairing. I recently sat down with 2 different credit reports from same company. To begin with there are 2 entries one from the original creditor and one from the collection agency. It appears that the dates from my credit report dated 3/2003 are different from the latest report that I just received on 11/2006. The dates seems to have been adjusted from 7/2000 to 7/2001. Should I fight this with the credit bureaus. I reviewed all three credit reports and have found the same exact thing. Can you also tell me what is the SOL on a car loan in the state of nj. I beleive that it is 6 years.