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

Posted by One of those 3rd parties who call you (68.12.47.218) on November 13, 2002 at 00:43:35:

In Reply to: Re: How do I Determine when 7 yrs are up?? posted by Defaults R' US on October 17, 2000 at 00:49:35:

: : 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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