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Can you reopen an old charged off account taken off credit?

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Jane
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Subject: Can you reopen an old charged off account taken off credit?
 
Posted on Thu Sep 13, 2007 4:09 am  

I had a charged off credit card that is now off my credit history since it has been 7 years but was bought by a collection agency. can i check on charged off date to see if it was sold within the Statue of Limitations without opening up that old charged off account? i don't want to make a mistake of calling and having it reopened.
Laura

Laura

Joined: 21 Jun 2007
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Posts: 1327



36459 Magic Points

 
Posted on Thu Sep 13, 2007 4:14 am  

Yes check your SOL. If it is out of it then I think there is no reason to reopen the account. Otherwise...if the account is within SOL then go ahead and pay off your debt.
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Laura.
carol

carol

Joined: 27 Jun 2006
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Posts: 1299
Location: Los Angeles, California


30065 Magic Points

 
Posted on Thu Sep 13, 2007 4:17 am  

Hi Jane,

Which state are you from?
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Carol
Justin

Justin

Joined: 17 Jul 2006
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Posted on Thu Sep 13, 2007 4:20 am  

Its good to pay off debts if it is yours. This unburdens you as well. Check your SOL soon. Debt has gone to collection agency and it might be tough, God forbid, to transact with them.
jane
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Subject: charged off account
 
Posted on Thu Sep 13, 2007 4:22 am  

texas

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