Thursday, November 29, 2007

How do i know something will fall off in 7 years like it should

dear bo majors........

came across your site.......was wondering about a certain issue. if an outstanding bill with a creditor is over seven years old is it taken off the credit report? if i then call the creditor to check on the status, does it automatically reopen the account?

not sure if you actually take questions, but i thought i would give it a shot.
-----------

I would not call the creditor. Do not stir could stir up any pile.
Unless I wanted to start new good credit with them.
I would check my report to make sure it comes off.
If not, then dispute it as not your account as it is not. It would be too old.
Of course the 7 years starts at date of last activity.
Credit Dispute Form
------
I did give them a call to see what status they had me listed as. Even though it has been over seven years, they say that I am still listed in their files as oweing and delinquent. They said they report to three major credit agencies about this. Would calling them count as "activity"? Prior to my call, the last "activity" is listed as 06/2000. I will try disputing with the form you provided. This is terribly kind of you to aid
---------------------
should never have called them this late in the game.
so it should fall off now huh?
dispute the account as too old, please remove from report
------------------
silly of me......
I took care of another one and thought I'd just check to see if that one was still listed.

No comments: