Re: How do I Determine when 7 yrs are up??

Posted by Defaults R' US on October 17, 2000 at 00:49:35:

In Reply to: How do I Determine when 7 yrs are up?? posted by Jason on October 17, 2000 at 00:47:54:

: I have several charge - offs. How do I determine when they began
: (when the 7 yrs are up) And how can I keep the original
: creditor and collection agency from both reporting to Credit
: Agencies? Also how do I get Third party agencies to leave me
: alone?

collection agencies will sometimes continue
to report old accounts without activity even
after the statue of limitations has expired.
You can get accounts taken off credit report
by writing to credit beaureaus and attaching
a couple old copies of your credit report showing
the accounts with no activity.

: Once the statute of limitations (4yrs in Texas) has run
: out, can they do anything if I tell them to get lost?

if the bank is located outside the state of texas,
it's under no obligation to abide by texas's
4 year statue of limitations on old debts.

: As you can see my seven years are about up and I have some really good
: credit now (an new house, new car, 2 credit cards), but those 5
: or so old accounts are really hurting my rating bad! I really
: need some assistance in cleaning up this mess the right way
: please.

if you apply for a very large mortagage, a large
life insurance policy, or a very high paying
job, people will be able to see all of your
credit report not just the last seven years
of it.

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