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Hi.My relative just got her credit report and is worried about a "CHARGE OFF" that has fallen under the "Derogatory Tradelines" category of her report. It appears to be on a card she can barely even recall, and the date of last activity/source reads "DLA:10/95". It is my understanding that this falls under the statue of limitations since the account in question is from Colorado and it has been over three years from the DLA. Now living in CA, I also have been told that the SOL is 4 years. So... what can she do to fix here credit report? Thanks!!!
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