[KingHomer]

My question involves collection proceedings in the State of: New York


I know the SOL in NY is 6 years but from which date? This is show on my truecredit report:

Date Opened: 07/01/2003 07/2003
Date Reported: 09/22/2008 09/30/2008


I am thinking the "Date Opened" but i want to make sure


Thanks advance

[LawResearcherMissy]

I know the SOL in NY is 6 years but from which date?

From the date of last activity. In other words, from the date the last payment was made.

It's also usually a good idea to add six months to that date to be sure the SOL has passed.

[KingHomer]

so if i let it go after SOL run out... will the judgment be deleted from my CR?

[aaron]

No. The entry on your credit report is governed by a separate limitations period, for most purposes seven years. Your report probably lists the date the entry will drop off of your credit report.