Hello I need your advise I am new on how to deal with credit and how to solve any problems But I long time ago , I went into trouble with my credit cards and I had no Other choice but to file Bk in 1985. I did keep one card only a Shell card. I had to go overseas and I had to stay there for 10 years. My X missed use the Shell card but told me that he paid it off and closed the account. I requested my credit report 1 month ago To find out that my Shell card is charged off 1.)Shell Oil Company Date reported Dec 1996 charged off But the account went delinquent in 1986 They fallowed the account 10 years â?¦. Balance they say 502.00 2.)I have a collection account no remarks . balance 0 opened 02/1997 date reported closed 07/19/1999 I was never contacted by this collection My question is Can I do something about removing the collection ? And what can I do about the shell card ? Can they can after me ? I can not pay the balance â?¦ Please I need your advice Thank you in advance
First of all, there was no point in keeping this "Shell" card after filing for bankruptcy especially if "you" was not using it. Any way, I would dispute the item to the credit bureau and argue the account became delinquent in 1986 and was subsequently charged off. Therefore, the account is past the seven year limit and should be deleted from your file. In addition, your bankruptcy was ten years ago and it should be deleted. As far as the creditor, they can not touch you because this account is past the statue of limitations (they can not sue you). Start disputing the account immediately. If you need help, I will dispute it for you FREE OF CHARGE. You have nothing to lose. Email me.
You can get this taken right off, no problem. Write a letter to the credit bureau, not the reporter of the information. Tell the bureau it was charged off in 1986 and you want it deleted. They will verify the date and remove it. Be sure to get reports from all three, Experian, Equifax and Transunion.
RE: Please need advice Thank y hello again the shell account went deliquent in 1986 but I think it was charged off only in 1996 the report sais closed 1996 . you are right I had no business keeping the card .. but the balance was 0 .. the one that did the mess was my X and I had to pay for it ... I have all 3 reports .. the only one that has this info is experian former TRW the rest are ok again thank you very much for your advice
