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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4285
127 Magic Points
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Wed Nov 19, 2008 5:39 pm
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| Thats fair. The only thing is a highly doubt if the last one could collect and didn't that the next one could. I just wanted to cover all ends of this. Sometimes debt collection companies can have so many active debts on their desk that one will actually slip through the cracks. I guess this is another great reason that everyone should always remember to ask to have their debt validated. |
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K. Davidson
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Subject: Old Debt
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Sun Nov 15, 2009 2:13 am
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| I thought my ex had paid off a debt, but I just found out that the debt still appears on my credit report. The debt was made back in 1989. Am I responsible for paying this debt and how long will it stay on the my report. |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3927
10 Magic Points
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Sun Nov 15, 2009 2:16 am
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| Actually it should have fallen off by now, that is over 20 years, I don't know of any state with that high of a statute of limitations. You should write all three credit reporting agencies and ask them to remove the debt, they probably will simply by requesting it. |
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Ruthie
Joined: 15 Oct 2009
Ruthie's page
Posts: 63
1401 Magic Points
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Sun Nov 15, 2009 4:48 am
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| If the debt is out of the SOL time limit, don't they lose there right to collect it??? And what if they sold an out of SOL debt, does that give the new agency the right to collect this as well?? I thought that once its out of the Sol and you send in the paperwork to the credit bureaus that that debt can no longer be listed or collected. Ruthie |
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Jan
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Subject: old bills
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Tue Jan 19, 2010 6:59 pm
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| I have a lot of old bills 1999 still on my report. Y ? And how can I get them removed ? |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4285
127 Magic Points
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Thu Jan 21, 2010 12:28 am
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| Jan, you most definately can. These bills would be well past the reporting date. Have you tried to dispute them with the credit reporting agency? What I am wondring is are they showing up on all three credit reporting sites or just a particular one? I can not imagine all three agencies not removing such old debt. Send our a dispute letter. |
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d
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Subject: I need help!
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Sun Aug 22, 2010 8:55 am
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| Ok, so i went to buy a car when when they pulled my credit, there were 2 doc bills from 2 1/2 years ago that were sent to collections... I had no idea these even existed! Anyway, i payed them off and only of the companies said that they update the FICO people every weds so my credit will be fixed or whatever. But will it really? and THAT FAST?!?!?? Seems too good to be true and WAY to easy. I want to know when my credit will be better and how should i find out about my "updated score"? I'm scared to keep pulling my credit over and over and over again! I just want to get a new car and be done with this whole mess.... but it's like, i dont have bad credit... but it's JUUUUSST not go enough! AH! please help me? |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: credit
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Mon Aug 23, 2010 10:30 am
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Hi d,
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| I'm scared to keep pulling my credit over and over and over again! |
Pulling your own credit report is not going to hurt your credit score as this is considered a soft pull. Paying off debts can help improve your credit if the negatives are removed through
"Pay for delete" (PFD). You will have to buy copies of your credit score to know the updated score.
To improve your credit score within very less time you can get added as an authorized user onto a person's account with very good credit. As the account will get listed on your credit report your credit score ill improve, but you won't be held responsible for the debt.
Thanks,
Aaron
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Linda1969
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Subject: Mortgage Debt
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Tue Sep 14, 2010 1:31 am
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| My name is on a VA home loan with my ex-husband. He is behind in payments and now it is reflecting on mine and my husbands credit record. This home was awarded to my ex-husband when we divorced 3 years ago. We cant buy a house because I have mortgage debt on my credit report. There is a judgement for me against my ex-husband on the home. What can I do to get this off my credit? |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: mortgage debt
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Tue Sep 14, 2010 10:10 am
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Hi Linda,
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| He is behind in payments and now it is reflecting on mine and my husbands credit record. |
This loan is in your and your ex-husband's name. What I don't understand is how come this ends up on your husband's credit report. Is your husband an authorized user on your account?
When you were divorced did not the judge mention who was to pay which debt? If your husband was supposed to pay off this debt, then you should talk to him about this. The judgment can't be removed from your credit report.
I think you should take the help of an attorney.
Thanks,
Aaron
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Kaylee
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Subject: axvrcIgzBuqsEGPgBC
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Wed Aug 31, 2011 4:42 pm
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| Weeeee, what a quick and easy soluiton. |
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