I just pulled my credit report and found that I have an old bill (Aug 1998) that was added to my credit report Apr 2002. I wasn't aware of this bill and I'd like to take care of it. However, the credit report I purchased online only has a reference code # for the creditor, no address or phone. I know who the original creditor was, but if it's in collections and I pay them - how will I get it off my record? Also will this stay on my record for 7 years beginning 2002? TIA
I'm not sure what to do about the address (call the CRA maybe?) but I do know that if you are serious about paying it you can always discuss a deletion of the account (or negative tradeline) with whomever now owns the debt. I can't promise they'll agree to it but it's worth a shot. Or....you could always start with validation. It should only stay on for 7 years after _________ (insert "DOLA", "D.O. first delinquency", etc.) As far as I know, this hasn't been determined yet. But I highly doubt it'll be from 2002 if the bill is from 1998.
Thanks for the advice. I think I will phone the CRA. When I call the creditor, do I just ask for deletion with full payment? Is this best requested by formal letter? (Is this covered in a post already online? Newbie...) Edited to say: I'll look up validation and see what that is all about. It is a phone bill that I didn't have shut off when I moved out (I left responsibility for paying the bill in someone else's hands). So bottom line, I should have known better - but it is my responsibility.
I'll look up validation and see what that is all about. rebeka ========= THAT'S EASY JUST CLICK LINKS BELOW: THE END ** *** ** LB 59 """""""""```~~~```'"""""""""
When I call the creditor, do I just ask for deletion with full payment? Is this best requested by formal letter? (Is this covered in a post already online? Newbie...) rebeka =============== iT'S NOT TIME TO OFFER ANYTHING YET! iS THE CREDITOR THE OC OR A CA ???? dEBT MAY BE UNCOLLECTABLE IF OUT OF SOL
old bill (Aug 1998) that was added to my credit report Apr 2002. Also will this stay on my record for 7 years beginning 2002? rebeka | ============= Not supposed to. THE END ** *** ** LB 59
Or....you could always start with validation. amish ============ THIS OLD COULD BE PAST SOL THE END ** *** ** LB 59 """""""""```~~~```'"""""""""
Re: Can I fix old bill on credit re If SOL goes by the current state I live in it's 6 yrs. So I'm shy by a bit. This bill is with a CA now. I called experian and got the contact info they had - but all they had was a name and phone number. Will try to match that online with an address. Thank you for the links. I'm off to read them now (though I should be snoozing!!).
Re: Can I fix old bill on credit re This bill is with a CA now. I called experian and got the contact info they had - but all they had was a name and phone number. rebeka ================= You need to send the CA the validation letter lbrown59 ******************* ******************* Click here to view. http://www.memail.com/fotos/index.htm
