Glad to have found this forum. I became disabled in 1998 and struggled to pay my creditors until around 2001 with a year of that being through a Credit Counseling Service. Due to more troubles, I was unable to keep paying on my debt. I moved back to my State of origin and since that time have been completely under the radar -since not one creditor has called or sent any dunning communicatons. The only thing I have in my name is my rental agreement... I am guessing this is why they have not found me... I think most of my credit card woes are past the SOL in both of the states I have resided in for the last nine years. Although, I may have a judgement against me for hospital bills going back about five years... I am still disabled but hope to marry next year and do not want to negatively impact my future husband. In any event, I want to move forward regarding my credit situation and want to access my Credit Reports from the three Credit Reporting Agencys. However I do not want to awake the sleeping giant at this time. If I do this, will all my creditors now have my current address and phone number whereby I will be hounded unmercifully again? Thanks, OnMyWay
This is will only happen in a community property state. What state are you in? What state was the debt incurred in? You will not wake them by pulling your own report (this is confidential btw you and the CRA). You only run that risk when you apply for credit. Pull your report using the last known address they probably have on record.
Let's for argument sake assume that all your delinquencies began in 2001 when you dropped out of the Credit Counseling program. The Statute of Limitations for Credit Reporting began when your uncured delinquency began. The Statute of Limitations for suit began when you stopped paying, presumably in 2001. In all but a few states, the Statute of Limitations for Suit has expired. Check your state's SOL to make sure. If so, then pulling your credit report may reawaken the creditors, but there is not a whole lot they can do about it. The derogatories presumably have a Status Date of 1999, when you first fell behind in payments. If that is the case, they should be off your credit file by now. Summarizing, I believe you are imagining a whole lot more bad things than are likely to actually happen. If in doubt, wait another 6 months into 2008 and then you will KNOW the SOL for both suit and Reporting has expired. At that point all you need worry about are the few creditors with judgments. Those are good for a lot longer than the regular SOL for suits. I wrote an essay about frustrating the skip tracer, and how a consumer can throw them so far off the track that it is unlikely they will ever be found. It is titled "Frustrating the Skip Tracer" and was posted in 4 parts because of its length. Here's the link: http://consumers.creditnet.com/Disc...art-1-of-4-66298.html/?highlight=frustratingl
Init2winit gave the correct information about that Not necessarily in all states. Some states have a 5 year limitation on collection of judgments although they can be reaffirmed. Other states have a 20 year statute of limitations on judgments so it all depends on the law in each individual state.
I must respectfully disagree with Cap1 in his statement that Init2winit's advice about the CA's finding you was more correct than mine. If you have in fact "skipped" out on your debts then the creditors placed "Skip" notations in your credit file. A Skip notation is a request to the CRA to alert the creditor whenever new information about your whereabouts or employer surfaces, from whatever source. They have offered this service for at least 30 years. Having worked in the Collections industry I have seen these reports. So, assuming one of these reports comes in, the question is "What can they do with it?" If the debt is out of Statute for Collection then there is not a lot they can do other than ask for payment. I stand by my advice above.
Its safe to assume that they more than likely have considered onmywayout a skip due to the facts of her situation, despite the (lack of) notations to that effect on her credit report. Even if they have not, better safe than sorry.
So what you are saying is that if "JOE" is listed as a skip and he pulls his own credit report by whatever means his creditors or debt collectors will be notified?
What I am saying is that when Joe pulls his own credit file and gives an address or employer that is new to that file, any creditor with a SKIP notation in the file will be alerted.
