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goodnatured
Joined: 03 Nov 2007
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Posts: 4007
1224 Magic Points
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Mon Sep 22, 2008 2:43 am
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pennsylvania changed those rules awhile ago, that was me above, did not sign in
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Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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anthony
Joined: 31 Jul 2006
anthony's page
Posts: 550
13573 Magic Points
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Wed Sep 24, 2008 5:26 am
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Hi Chargers
Statute of Limitation on all types of debt in PA is four years. Credit cards fall under open ended accounts and so the SOL on credit card debt will also be four years. Although your four years time frame for SOL has expired, the negative listing will stay in your credit report for seven years and six months from the date you first missed your payment. However, your credit score will start improving after the SOL expiry if you make timely repayments on new purchases on the credit cards.
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Anthony Marx
A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible. |
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fireyone
Joined: 26 Feb 2008
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Posts: 4500
8812 Magic Points
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Wed Sep 24, 2008 11:42 am
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| Anthony is correct. I knew PA change their credit card SOl a few years ago. I am not entirely sure when it was. It is noce to know that a score will improve after the SOl has expired instead of waiting for it to fall off beore you see any score improvements. I hope this helped you out. |
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jenickki
Joined: 12 Aug 2008
jenickki's page
Posts: 8
502 Magic Points
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Subject: Bogus Validation Letters?
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Mon Oct 06, 2008 4:29 pm
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Back again. Ah, another interesting turn in this saga. I did send the "proper paperwork" to get these idiots off my back. WELL, they never proved anything and they sent me again to another bottom feeder who represents themselves as a "Lawyer Firm". Bogus crap! They are LVNV and everyone knows it.
This is just another game that LVNV plays. They will be getting the "proper letters" this week.
A game I wonder? How many affiliates of LVNV will send me paperwork making me send them paperwork?
Idiots! |
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fireyone
Joined: 26 Feb 2008
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Posts: 4500
8812 Magic Points
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Tue Oct 07, 2008 10:23 pm
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| Sounds like you are in a vicious cycle. Sometimes it gets less and less as the debt gets older and older. If you feel you are protected by the SOL in your state you may find it easier to just ignore them. Soemtime the more responsew they get from you the more aggravating they become. |
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goodnatured
Joined: 03 Nov 2007
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Posts: 4007
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Wed Oct 08, 2008 2:35 am
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are you sending them certified, return reciept requested.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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fireyone
Joined: 26 Feb 2008
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Posts: 4500
8812 Magic Points
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Mon Oct 13, 2008 1:07 am
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| Yep that is always the best route to go or you are just wasting your time. |
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goodnatured
Joined: 03 Nov 2007
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Posts: 4007
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Mon Oct 13, 2008 1:31 am
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I never send it any other way when dealing with a collection agency?
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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fireyone
Joined: 26 Feb 2008
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Posts: 4500
8812 Magic Points
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Tue Oct 14, 2008 9:57 pm
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| I never had to..Thank God..I have only ever had two accounts go into collections...One never really bothered me but the other was a pain up until the SOL expired. So far they have left me be. I shouldn't say up until the SOL but until the previous company sold it ...which at the time SOl was up. |
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goodnatured
Joined: 03 Nov 2007
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Posts: 4007
1224 Magic Points
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Mon Oct 27, 2008 2:37 am
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I had like four in collections at one time, I did finally get them all paid off but they are still on the negative side of my report. I did not know about the pay for delete. However, I don't think the companies that I settled out with had the power to delete all the hands that they went through before I I finally got a head enough to pay it off.
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Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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Justin
Joined: 17 Jul 2006
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Posts: 1298
28935 Magic Points
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Mon Oct 27, 2008 7:24 am
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Hi goodnatured
If you have paid back to the collection agencies who had purchased your debt, then they could have removed the CA listing and not the OC listing if you had made a PFD agreement before paying off the debt. The OC listing would remain in the report for seven years. However, if the OC has only transferred the right to collect the debt to the CA but has not sold off the debt, you can get both the CA as well as the OC listing out of the report, if you can come to a PFD with the OC.
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All the Best 
Justin |
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goodnatured
Joined: 03 Nov 2007
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Posts: 4007
1224 Magic Points
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Mon Oct 27, 2008 2:15 pm
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Justin,
I paid off four accounts last year, they are all still on my report as a negative it, however they do show that they have been paid up in full, how can I get them removed, I filed a dispute with the credit reporting agency and it did not work. Do you have any other suggestions please?
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Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1498
111 Magic Points
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Subject: debt
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Mon Oct 27, 2008 2:48 pm
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| I really thinkm it's scary that your Credit Score can 'vary' that much. You may have a great score, one day..and a 'medium' score the next. I HEARD ( whether the info is true or not..) that even if you DO pay debts off, it STILL stays on your CR for 7 years. If someone knows differently, please let me know. Thanks. |
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fireyone
Joined: 26 Feb 2008
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Posts: 4500
8812 Magic Points
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Mon Oct 27, 2008 10:53 pm
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| GN...were all the debts with in the SOL? Did you ask for a pay for delete? Sometimes it is really hard to get a debt removed once you oay it and do not ask for the pay for delete in the beginning. I have also heard that sometimes it takes a cople of requests before it will be removed. Maybe Justin will have some better advice. |
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sdchargers_63
Joined: 13 Aug 2007
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Posts: 1498
111 Magic Points
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Subject: debt
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Tue Oct 28, 2008 4:28 pm
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| No, I haven't asked for a Pay for Delete letter. Well........that I know I may have a chance, then I'll probably pursue this. Thanks. |
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