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

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erb1953



Joined: 31 Dec 2007
erb1953's page
Posts: 547



-100 Magic Points

 
Posted on 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

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1327



36459 Magic Points

 
Posted on 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: 547



-100 Magic Points

 
Posted on 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: 547



218 Magic Points

 
Posted on 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: 547



-100 Magic Points

 
Posted on 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

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1327



36459 Magic Points

 
Posted on 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: 547



-100 Magic Points

 
Posted on 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
 
Posted on 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: 547



-100 Magic Points

 
Posted on 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

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1327



36459 Magic Points

 
Posted on 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.
tawana1956

tawana1956

Joined: 01 Feb 2008
tawana1956's page
Posts: 6
Location: Oklahoma


305 Magic Points

Subject: Newbie
 
Posted on Fri Feb 01, 2008 9:21 pm  

I was surfing for ways to help build my credit back up and clean up my credit report and found this site. I've already gleaned some very very useful information and hope to later on be able to contribute some worthwhile input.
cbass1017



Joined: 01 Feb 2008
cbass1017's page
Posts: 143
Location: PA


1549 Magic Points

 
Posted on Fri Feb 01, 2008 11:45 pm  

Hello all I'm new to credit magic but I enjoy forums about credit and finance. I enjoy all the advice and hope to offer some myself. I work for a bank and I have filed a bankruptcy about 4 years ago and have been repairing my credit ever since.
_________________
Scott McKay
FreeOnlineCreditGuide.com
SunDevilsFan



Joined: 09 Nov 2007
SunDevilsFan's page
Posts: 171
Location: Sunny Arizona


6578 Magic Points

 
Posted on Sat Feb 02, 2008 4:18 am  

A lot of newcomers here... I welcome you all!!
August



Joined: 09 Jan 2008
August's page
Posts: 125



59 Magic Points

 
Posted on Sat Feb 02, 2008 4:15 pm  

Hi welcome to the forum, hope you enjoy yourself here, contribute and participate as well as take a lot away from the forum. Welcome aboard.
Dadummy



Joined: 15 Nov 2007
Dadummy's page
Posts: 547



218 Magic Points

Subject: credit
 
Posted on Sat Feb 02, 2008 10:58 pm  

dont they have to delete your credit record after so long I thought it was seven years. where did i get this from.

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