i have a $9345.43 bill on my credit from 2001 how long until it goes away? it was 7752.84 before they turned it in to collecters. interest was added!my god doctor bills are already over prices!!
Like any other bill it will stay on your credit report for seven years, so as long as you have not paid on it, it should fall off your report this year some time. What month in 2001? What state are you from? Was it a hospital bill or a private doctor?
well really it was my husbands bills we are trying to get off his credit score is getting better slow so i asked a bank why is it taking so they said it was because of those docter bills! We live in MO, and hospital. thank you so much i have ask so many people it is nice for people like you to take time out of your day for me!
We have all been in your shoes at one time or another, especially to clean up our credit reports, god it is a lot of work and it takes forevvvvvvvvvvveeeeeeeerrrrrrrrrr. I have been working on mine for a good three years now. I have decided to just ride out the storm with some of them, they will fall off eventually. I have paid them all but they still hang out under the negatives because I was not wise enough to ask them to pay for delete when I was paying them off. If I would have came here first, I would have done that. Oh well, now while I wait for them to fall off, I am rebuilding by keeping payments current and trying to open new accounts, charge a little bit and pay on it to establish a current payment history. Anyway, you get my drift.
We have all done it, and we are here to help, so Fire Away, LOL.
Hi jessica
As far as I know, since it is a doctor's bill, the SOL is 5 years and so your SOL has already expired. So you should not try to repay it because even if you repay a small amount the SOL will rewind and you may have to repay the debt in full. Now as regards the negative listing in your credit report, the listing will stay there for seven years and six months from the date you first made the missed payment. This means that if you made the first missed payment in Jan 01, the listing will be out of your credit report on July 08.
I cancelled by Visa in 1999. Outstanding balance of $1,000.00. Last payment made was in 2004. Collectors called and said they were going to take my car until I paid the balance. Can they do that? If they can not take my car how long until this is off my credit report?
did you buy the car off the visa, is there any connection between the credit card and the car? If not, they can not do anything with the car. Is the credit card a secured or non secured debt?
Hi Tamara
Since the last payment was made in 2004, the SOL to the debt may or may not have expired because the SOL varies from state to state. Statute of Limitation generally ranges from 3 years to 10 years and if your SOL has already expired, you are no longer required to pay off the debt. Now if it is your credit card debt, the creditors cannot take away your car for it without a judgment. Moreover, if it the debt is listed in your credit report, you should immediately send a DV letter to the creditor asking them to validate the debt they are claiming.
Tamamra, let us know the state you are from and we can let you know if you SOl time limit is up. Also I agree with GN. If you are not protected by the SOL and they can prove you used your card to purchase this vehicle they maybe able to take it. I went through a bankruptsy years and years ago (like14yrs ago) and one of the first things they asked me is if I had any of the merchandise I had bought with any of the cards. They even asked if I still had my couch set which was a few years old by then. We had to sell off most of out belongins to cover the costs of cancer treatments so I didn't really have anything to give back but just se sure your car has no ties to the card or you could be in trouble and may lose it.
I have some un-paid hospital bills ( emeregency room visits,,) myself. A few of them , the SOL for my state has expired...Pennsylvania SOL is 4 years. I'm STILL amazed how many times these debts can be 'sold' from one CA to another. It's crazy. I must have had this debt 'sold' five or six times.
Yes it is really crazy. I had always thought that they could not sue for medical bills. I am not sure where I heard that but I can see that that really can not be a true statement. I have one doc bill on my credit report but I am absolutely not paying since it was covered and they made the mistake of billing it wrong. It was their mistake and I can not help if they didn;t find their error until after the time limit to submit it.
Hi Chargers
Whenever you ask a collection agency whose name is listed in your credit report against a particular debt, to validate the debt and they cannot validate the debt within 30 days from the date of reciept of your debt validation letter, they lose their right to collect the debt as per the fair debt collection practices Act. So they sell off the debt to another collection agency who again lists its name against your debt in the credit report and this process continues and so it is normal to find the names of multiple collection agencies against a single debt in your credit report.
Yes, and so whenever, you find multiple collection agencies listed in your credit report against a single debt, you should not not pay off that debt because you can be sure that they will not be able to validate the debt. Instead you should ask for debt validation and when they are not able to provide you with proper debt validation, you should send a dispute letter to the credit bureaus asking them to remove the listing from your credit report.
I thought that multiple collection agencies could not report on the same debt. For some reason I assumed or was told that only the origianl creditor and the most recent collector are allowed to list the debt. Am I mistaken here? Next question...If the next collector that the debt was sold to was actually given the proper paperwork to collect the debt can they? Just because one didn't validate on time doesn't mean the proof for validation isn't there right?
Yes, it may happen that the former CA may not be able to provide proper validation within the 30 day time frame and so they lost their right to collect the debt and they sold off to the debt to another CA with all the valid papers. Now if they lists their name in the credit report against the debt, and provide proper validation of the debt within 30 days from the date of receipt of your debt validation letter, you have to pay them back.
Thats fair. The only thing is a highly doubt if the last one could collect and didn't that the next one could. I just wanted to cover all ends of this. Sometimes debt collection companies can have so many active debts on their desk that one will actually slip through the cracks. I guess this is another great reason that everyone should always remember to ask to have their debt validated.
I thought my ex had paid off a debt, but I just found out that the debt still appears on my credit report. The debt was made back in 1989. Am I responsible for paying this debt and how long will it stay on the my report.
Actually it should have fallen off by now, that is over 20 years, I don't know of any state with that high of a statute of limitations. You should write all three credit reporting agencies and ask them to remove the debt, they probably will simply by requesting it.
If the debt is out of the SOL time limit, don't they lose there right to collect it??? And what if they sold an out of SOL debt, does that give the new agency the right to collect this as well?? I thought that once its out of the Sol and you send in the paperwork to the credit bureaus that that debt can no longer be listed or collected. Ruthie
Jan, you most definately can. These bills would be well past the reporting date. Have you tried to dispute them with the credit reporting agency? What I am wondring is are they showing up on all three credit reporting sites or just a particular one? I can not imagine all three agencies not removing such old debt. Send our a dispute letter.
Ok, so i went to buy a car when when they pulled my credit, there were 2 doc bills from 2 1/2 years ago that were sent to collections... I had no idea these even existed! Anyway, i payed them off and only of the companies said that they update the FICO people every weds so my credit will be fixed or whatever. But will it really? and THAT FAST?!?!?? Seems too good to be true and WAY to easy. I want to know when my credit will be better and how should i find out about my "updated score"? I'm scared to keep pulling my credit over and over and over again! I just want to get a new car and be done with this whole mess.... but it's like, i dont have bad credit... but it's JUUUUSST not go enough! AH! please help me?
I'm scared to keep pulling my credit over and over and over again!
Pulling your own credit report is not going to hurt your credit score as this is considered a soft pull. Paying off debts can help improve your credit if the negatives are removed through
"Pay for delete" (PFD). You will have to buy copies of your credit score to know the updated score.
To improve your credit score within very less time you can get added as an authorized user onto a person's account with very good credit. As the account will get listed on your credit report your credit score ill improve, but you won't be held responsible for the debt.
My name is on a VA home loan with my ex-husband. He is behind in payments and now it is reflecting on mine and my husbands credit record. This home was awarded to my ex-husband when we divorced 3 years ago. We cant buy a house because I have mortgage debt on my credit report. There is a judgement for me against my ex-husband on the home. What can I do to get this off my credit?
He is behind in payments and now it is reflecting on mine and my husbands credit record.
This loan is in your and your ex-husband's name. What I don't understand is how come this ends up on your husband's credit report. Is your husband an authorized user on your account?
When you were divorced did not the judge mention who was to pay which debt? If your husband was supposed to pay off this debt, then you should talk to him about this. The judgment can't be removed from your credit report.
Like any other bill it will stay on your credit report for seven years, so as long as you have not paid on it, it should fall off your report this year some time. What month in 2001? What state are you from? Was it a hospital bill or a private doctor?
well really it was my husbands bills we are trying to get off his credit score is getting better slow so i asked a bank why is it taking so they said it was because of those docter bills! We live in MO, and hospital. thank you so much i have ask so many people it is nice for people like you to take time out of your day for me!
Thanks, jess
We have all been in your shoes at one time or another, especially to clean up our credit reports, god it is a lot of work and it takes forevvvvvvvvvvveeeeeeeerrrrrrrrrr. I have been working on mine for a good three years now. I have decided to just ride out the storm with some of them, they will fall off eventually. I have paid them all but they still hang out under the negatives because I was not wise enough to ask them to pay for delete when I was paying them off. If I would have came here first, I would have done that. Oh well, now while I wait for them to fall off, I am rebuilding by keeping payments current and trying to open new accounts, charge a little bit and pay on it to establish a current payment history. Anyway, you get my drift.
We have all done it, and we are here to help, so Fire Away, LOL.
Hi jessica
As far as I know, since it is a doctor's bill, the SOL is 5 years and so your SOL has already expired. So you should not try to repay it because even if you repay a small amount the SOL will rewind and you may have to repay the debt in full. Now as regards the negative listing in your credit report, the listing will stay there for seven years and six months from the date you first made the missed payment. This means that if you made the first missed payment in Jan 01, the listing will be out of your credit report on July 08.
Old Visa Bill
I cancelled by Visa in 1999. Outstanding balance of $1,000.00. Last payment made was in 2004. Collectors called and said they were going to take my car until I paid the balance. Can they do that? If they can not take my car how long until this is off my credit report?
did you buy the car off the visa, is there any connection between the credit card and the car? If not, they can not do anything with the car. Is the credit card a secured or non secured debt?
Hi Tamara
Since the last payment was made in 2004, the SOL to the debt may or may not have expired because the SOL varies from state to state. Statute of Limitation generally ranges from 3 years to 10 years and if your SOL has already expired, you are no longer required to pay off the debt. Now if it is your credit card debt, the creditors cannot take away your car for it without a judgment. Moreover, if it the debt is listed in your credit report, you should immediately send a DV letter to the creditor asking them to validate the debt they are claiming.
Tamamra, let us know the state you are from and we can let you know if you SOl time limit is up. Also I agree with GN. If you are not protected by the SOL and they can prove you used your card to purchase this vehicle they maybe able to take it. I went through a bankruptsy years and years ago (like14yrs ago) and one of the first things they asked me is if I had any of the merchandise I had bought with any of the cards. They even asked if I still had my couch set which was a few years old by then. We had to sell off most of out belongins to cover the costs of cancer treatments so I didn't really have anything to give back but just se sure your car has no ties to the card or you could be in trouble and may lose it.
credit
I have some un-paid hospital bills ( emeregency room visits,,) myself. A few of them , the SOL for my state has expired...Pennsylvania SOL is 4 years. I'm STILL amazed how many times these debts can be 'sold' from one CA to another. It's crazy. I must have had this debt 'sold' five or six times.
Yes it is really crazy. I had always thought that they could not sue for medical bills. I am not sure where I heard that but I can see that that really can not be a true statement. I have one doc bill on my credit report but I am absolutely not paying since it was covered and they made the mistake of billing it wrong. It was their mistake and I can not help if they didn;t find their error until after the time limit to submit it.
Hi Chargers
Whenever you ask a collection agency whose name is listed in your credit report against a particular debt, to validate the debt and they cannot validate the debt within 30 days from the date of reciept of your debt validation letter, they lose their right to collect the debt as per the fair debt collection practices Act. So they sell off the debt to another collection agency who again lists its name against your debt in the credit report and this process continues and so it is normal to find the names of multiple collection agencies against a single debt in your credit report.
Yes, and so whenever, you find multiple collection agencies listed in your credit report against a single debt, you should not not pay off that debt because you can be sure that they will not be able to validate the debt. Instead you should ask for debt validation and when they are not able to provide you with proper debt validation, you should send a dispute letter to the credit bureaus asking them to remove the listing from your credit report.
I thought that multiple collection agencies could not report on the same debt. For some reason I assumed or was told that only the origianl creditor and the most recent collector are allowed to list the debt. Am I mistaken here? Next question...If the next collector that the debt was sold to was actually given the proper paperwork to collect the debt can they? Just because one didn't validate on time doesn't mean the proof for validation isn't there right?
Yes, it may happen that the former CA may not be able to provide proper validation within the 30 day time frame and so they lost their right to collect the debt and they sold off to the debt to another CA with all the valid papers. Now if they lists their name in the credit report against the debt, and provide proper validation of the debt within 30 days from the date of receipt of your debt validation letter, you have to pay them back.
Thats fair. The only thing is a highly doubt if the last one could collect and didn't that the next one could. I just wanted to cover all ends of this. Sometimes debt collection companies can have so many active debts on their desk that one will actually slip through the cracks. I guess this is another great reason that everyone should always remember to ask to have their debt validated.
Old Debt
I thought my ex had paid off a debt, but I just found out that the debt still appears on my credit report. The debt was made back in 1989. Am I responsible for paying this debt and how long will it stay on the my report.
Actually it should have fallen off by now, that is over 20 years, I don't know of any state with that high of a statute of limitations. You should write all three credit reporting agencies and ask them to remove the debt, they probably will simply by requesting it.
If the debt is out of the SOL time limit, don't they lose there right to collect it??? And what if they sold an out of SOL debt, does that give the new agency the right to collect this as well?? I thought that once its out of the Sol and you send in the paperwork to the credit bureaus that that debt can no longer be listed or collected. Ruthie
old bills
I have a lot of old bills 1999 still on my report. Y ? And how can I get them removed ?
Jan, you most definately can. These bills would be well past the reporting date. Have you tried to dispute them with the credit reporting agency? What I am wondring is are they showing up on all three credit reporting sites or just a particular one? I can not imagine all three agencies not removing such old debt. Send our a dispute letter.
I need help!
Ok, so i went to buy a car when when they pulled my credit, there were 2 doc bills from 2 1/2 years ago that were sent to collections... I had no idea these even existed! Anyway, i payed them off and only of the companies said that they update the FICO people every weds so my credit will be fixed or whatever. But will it really? and THAT FAST?!?!?? Seems too good to be true and WAY to easy. I want to know when my credit will be better and how should i find out about my "updated score"? I'm scared to keep pulling my credit over and over and over again! I just want to get a new car and be done with this whole mess.... but it's like, i dont have bad credit... but it's JUUUUSST not go enough! AH! please help me?
credit
Hi d,
I'm scared to keep pulling my credit over and over and over again!
Pulling your own credit report is not going to hurt your credit score as this is considered a soft pull. Paying off debts can help improve your credit if the negatives are removed through
"Pay for delete" (PFD). You will have to buy copies of your credit score to know the updated score.
To improve your credit score within very less time you can get added as an authorized user onto a person's account with very good credit. As the account will get listed on your credit report your credit score ill improve, but you won't be held responsible for the debt.
Thanks,
Aaron
Mortgage Debt
My name is on a VA home loan with my ex-husband. He is behind in payments and now it is reflecting on mine and my husbands credit record. This home was awarded to my ex-husband when we divorced 3 years ago. We cant buy a house because I have mortgage debt on my credit report. There is a judgement for me against my ex-husband on the home. What can I do to get this off my credit?
mortgage debt
Hi Linda,
He is behind in payments and now it is reflecting on mine and my husbands credit record.
This loan is in your and your ex-husband's name. What I don't understand is how come this ends up on your husband's credit report. Is your husband an authorized user on your account?
When you were divorced did not the judge mention who was to pay which debt? If your husband was supposed to pay off this debt, then you should talk to him about this. The judgment can't be removed from your credit report.
I think you should take the help of an attorney.
Thanks,
Aaron
medical judgements
Hello; I have a medical judgement on my credit report ; I was wondering how long they take to fall off and am I at risk of any assets?
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