I went on annualcreditreport.com and clicked on experian. credit report by itself is free but they charge for credit score. Should I pay to get the score aswell or just looking at credit report ...
Usually at a discounted rate. Most of these were sold off several times to different collectors. Now that they are paid, I keep getting letters from different collectors saying I owe the amount. I ...
I was wondering because I am hanging on by a thread where I am living and I was wondering could someone help me tell how to go about this whole process, any number where can I go in detroit to get ...
Does losing your credit card or filing billing disputes effect your credit? Does applying for a few credit cards but being denied effect your credit?...
Most credit cards do not make you pay your balance in full each month. What, on average, is the percent of total purchases or balance that makes up your minimum payment?...
I was in a bad place and accrued some debt. I am paying my debt off now and I have been checking my credit report. I just want someone to send me information to better help me understand my credit ...
I have been charged three times on my credit card in USD . I was looking on Australian personal and was ask to subscribe if wanted to reply. It failed many times .So i sent a request why its not ...
I have about 5 hospital bills in collection and one more heading in the same direction. Difference is that this last one have some very overpriced charges on it like $150 for each tylenol tablet! Is ...
They closed the account because I missed three payments. I had lost a job and couldn't make them at that time. I am fine now, and the account has been in good standing for over a year at this ...
All states have a "statute of limitations" where debts can not be legally collected after a certain amount of time. Each state is differant, but they average around 4-6 years for credit card debts, a bit longer for written contract.
Therefore, there is a very good chance that your debt of 12 years can not be collected. Spiffman's answer is very deceptive (because he's probably in the collection field). True, you still owe the debt, but the creditor has no way to sue you or post this to your credit report. And by sending them a "cease and desist" letter, you can prevent them from calling or writing to you too!
In other words...they can bark but they can't bite. Relax, you are safe.
jakedog
you can have that removed easily. It is usually removed after 7 years. But, if you make any contact with the company it will be considered "activity" and the 7 years will start over. Go to each of the credit bureaus and request that it be removed. You will have to request a copy of your free report first which they are required to give you once each year.. Then follow the instructions they give on how to make a request for deleting an old account.
www.transunion.com
www.equifax.com
www.experian.com
spifiman1
It should have been written off by now, but you still owe it.
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