Collection account added to credit file AFTER SOL has expired???

Hello everyone and thank you for helping! I woke up this morning to an alert from myFico, informing that a new collection has been added to my report and I lost 20 pts!! I looked into it and the account is from 2009! I live in NC and the SOL here is 3 years. Obviously, I will be disputing them, but my question is, what needs to be in my dispute to guarantee removal?? Unfortunately, there are 7 accounts that have been added, they are all ambulance bils, which I had health insurance at the time and they just didn't submit the claim. These accounts were already on TU & EQ CR's and I never knew they were there until I recently pulled all CR's. I am currently in the process of trying to figure out how to get them removed from TU & EQ, but it's clearly out of SOL for EX. Thank you for the help!!

R_M wrote:
Hello everyone and thank you for helping! I woke up this morning to an alert from myFico, informing that a new collection has been added to my report and I lost 20 pts!! I looked into it and the account is from 2009! I live in NC and the SOL here is 3 years. Obviously, I will be disputing them, but my question is, what needs to be in my dispute to guarantee removal?? Unfortunately, there are 7 accounts that have been added, they are all ambulance bils, which I had health insurance at the time and they just didn't submit the claim. These accounts were already on TU & EQ CR's and I never knew they were there until I recently pulled all CR's. I am currently in the process of trying to figure out how to get them removed from TU & EQ, but it's clearly out of SOL for EX. Thank you for the help!!SOL has nothing to do with how long an item can be reported on your CR. SOL is a set of laws that each states legislature comes up with that govern how long a creditor has to use the court system to recover a debt in that state. The FCRA is what governs how long a derog can remain on file and its 7 years for an individual late and up to 7.5 yrs from the accounts DoFD for a COed or CA account. There are some states that also have their own laws that govern how long a derog can remain, CA & NY are 2 examples. There is no guarantee of removal with a dispute and in your case I would go the way I have outlined for you in another thread.

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