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Lunchtime

Joined: 29 Dec 2007
Lunchtime's page
Posts: 116

-23 Magic Points

Sun Jan 13, 2008 9:06 pm

Welcome hummingbird, glad to have you here. I hope that you find your time here as enjoyable as in the insurance forum. We have a lot of good people here who have a lot of experience on both ends of the fence when it comes to credit. The pub is hopping with a lot of other conversations off the topic of credit.

Hope you find it welcoming here and decide to stay with us a long time. If you have any questions, please feel free to post them and feel free to post responses to those who have posted on the threads.

Again, glad to see you here, hope you a have a great time.

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1334

35467 Magic Points

Mon Jan 14, 2008 6:16 am

Hi humming....

great to have you here. credit is our subject and you can go ahead and shoot as many questions as possible. i am sure we will be able to answer you and help you out in any way possible. Great to see you here. WELCOME Smile

_________________
Regards,
Laura.

Lunchtime

Joined: 29 Dec 2007
Lunchtime's page
Posts: 116

-23 Magic Points

Mon Jan 14, 2008 10:57 pm

welcome to all the new people here, see so many that have not come on here and formally introduced themselves, maybe they will make it here sooner or later.

erb1953

Joined: 31 Dec 2007
erb1953's page
Posts: 573

-53 Magic Points

Tue Jan 15, 2008 12:28 am

It is good to see you here hummingbird, hope you are having a great time here.

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1334

35467 Magic Points

Tue Jan 15, 2008 8:56 am

There are many new people around who have not introduced themselves. Welcome to all.
_________________
Regards,
Laura.

erb1953

Joined: 31 Dec 2007
erb1953's page
Posts: 573

-53 Magic Points

Tue Jan 15, 2008 5:39 pm

I know Laura, it is amazing how much growth we are having, I love it, so many different types of conversations going on, I think it is awesome.

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1334

35467 Magic Points

Wed Jan 16, 2008 6:43 am

I think its awesome too. I wish to see more people coming in.
_________________
Regards,
Laura.

erb1953

Joined: 31 Dec 2007
erb1953's page
Posts: 573

-53 Magic Points

Wed Jan 16, 2008 11:09 pm

I think it is awesome too Laura, I wish some of my friends at work would join, I told them about this site, but they say it would take up too much of their time, guess they have a life and I don't. LOL

Dadummy

Joined: 15 Nov 2007
Dadummy's page
Posts: 606

57 Magic Points

Mon Jan 21, 2008 6:00 pm

Hi i live in pa and i enjoy helping on the credit issues i have excellant credit but it took me years to get it.

erb1953

Joined: 31 Dec 2007
erb1953's page
Posts: 573

-53 Magic Points

Wed Jan 23, 2008 12:18 am

That is great dadummy, maybe you can give some good advice here on how to do that, there are many here wondering.

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1334

35467 Magic Points

Wed Jan 23, 2008 10:42 am

People invest time in a lot of irrelevant things as well rather than utilizing it. SO dont worry you have a wonderful life. Tell me dont you enjoy here? Why miss an opportunity to earn for giving opinions?
_________________
Regards,
Laura.

erb1953

Joined: 31 Dec 2007
erb1953's page
Posts: 573

-53 Magic Points

Wed Jan 23, 2008 12:15 pm

True Laura and dadummy writes a lot, so why not write on credit issues, that would certainly help people out a lot.

Suprtlchk
Guest

Subject: Intro

Thu Jan 24, 2008 12:38 am

I'm trying to get my credit understood and under control. I am 26 from San Diego. My husband has near perfect (only 1 page) credit and I have 26 pages of credit, good bad and ugly. We have started a file to keep records of our work on this subject... its called Zombie Debt Collectors. Back in 2001, while still in college, I used a local debt help agency, shut down credit cards (most over due/unpaid but w/ small limits) and made regular, small monthly payments. Two hospital visits and 7 years later... they are still there and reported monthly. NCO for Cap One harasses me as much as they can. I'm worried that even looking in to the accounts on my credit file will OPEN them up and start the SOL over.... any help?

erb1953

Joined: 31 Dec 2007
erb1953's page
Posts: 573

-53 Magic Points

Thu Jan 24, 2008 12:52 am

Looking them up will not start the SOL over again, however they will probably start contacting you again. A lot of collection agencies put ticklers on credit reports and as soon as you inquire about any thing it brings you to their attention.

Just so you know the statute of limitations is only restarted if you make a payment.

If these are 7 years old, I am sure the statute of limitation has ran out on them, when they contact you, you need to let them know this. You can request that the cease and desist all contact with you.

What ever you do, don't pay a dime, it will start the SOL all over again, unless you want to pay them off. That is what they want you to do. Becareful how you handle this.

You need to find out your states Statute of Limitation. If you tell us what state you are from, we can help you find that out for you and post it here so that you know.

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1334

35467 Magic Points

Thu Jan 24, 2008 9:09 am

Hi Suprtlchk,

If the debt has run through the 7 years time I dont think they are collectible anymore.
ERB she has mentioned being from San Diego CA. So SOL has run out already.
_________________
Regards,
Laura.

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