Comments on: Can I get a debt removed from my credit report after the Statute of Limitations has expired? How? http://www.free--credit-report-blog.com/free-credit-reports/can-i-get-a-debt-removed-from-my-credit-report-after-the-statute-of-limitations-has-expired-how A blog with information on free credit reports Sun, 20 May 2012 16:44:46 +0000 http://wordpress.org/?v=2.7 hourly 1 By: hmmmmmm http://www.free--credit-report-blog.com/free-credit-reports/can-i-get-a-debt-removed-from-my-credit-report-after-the-statute-of-limitations-has-expired-how/comment-page-1#comment-1034 hmmmmmm Fri, 10 Apr 2009 14:42:25 +0000 http://free--credit-report-blog.com/free-credit-reports/can-i-get-a-debt-removed-from-my-credit-report-after-the-statute-of-limitations-has-expired-how/#comment-1034 <a href="http://kansieo.com/members">Caffeinated Content - Members-Only Content for WordPress</a> Yes you can just send them a dispute letter, when sending make sure you send it on a weekend this way they have less time to research it, they have only 30 days to confirm its yours. Caffeinated Content - Members-Only Content for WordPress

Yes you can just send them a dispute letter, when sending make sure you send it on a weekend this way they have less time to research it, they have only 30 days to confirm its yours.

]]> By: ______ http://www.free--credit-report-blog.com/free-credit-reports/can-i-get-a-debt-removed-from-my-credit-report-after-the-statute-of-limitations-has-expired-how/comment-page-1#comment-1033 ______ Wed, 08 Apr 2009 05:18:19 +0000 http://free--credit-report-blog.com/free-credit-reports/can-i-get-a-debt-removed-from-my-credit-report-after-the-statute-of-limitations-has-expired-how/#comment-1033 <a href="http://mycaffeinatedcontent.com">Website content</a> I check mine very year. I have depts showing up from the time i first got credit 25 years ago. Paid off of course....Home loans, car loans etc. If they are GOOD credit references then leave them. I assume you are talking about BAD references? I think it is 7 years. It should show a date when it will be removed by year. You can not do anything to remove it unless it was not your dept and you can prove it. I had a few that were my ex's that he got after we were legally separated, I got those removed because we were legally separated and the other person is not responsible in my state for the spouses debts made after separation. It was easy for me but not all people have it that easy. The problem is all THREE credit reporting companies have to remove it. It is a lot of paperwork. You got a credit report so all you do is contact the supplier. The website that you got it from has a page that you use to dispute anything on your report. Try that way and see. Website content

I check mine very year. I have depts showing up from the time i first got credit 25 years ago. Paid off of course….Home loans, car loans etc. If they are GOOD credit references then leave them.

I assume you are talking about BAD references? I think it is 7 years. It should show a date when it will be removed by year. You can not do anything to remove it unless it was not your dept and you can prove it.

I had a few that were my ex’s that he got after we were legally separated, I got those removed because we were legally separated and the other person is not responsible in my state for the spouses debts made after separation. It was easy for me but not all people have it that easy.

The problem is all THREE credit reporting companies have to remove it. It is a lot of paperwork. You got a credit report so all you do is contact the supplier. The website that you got it from has a page that you use to dispute anything on your report. Try that way and see.

]]> By: SPIFIMAN1 http://www.free--credit-report-blog.com/free-credit-reports/can-i-get-a-debt-removed-from-my-credit-report-after-the-statute-of-limitations-has-expired-how/comment-page-1#comment-1032 SPIFIMAN1 Sat, 04 Apr 2009 20:09:33 +0000 http://free--credit-report-blog.com/free-credit-reports/can-i-get-a-debt-removed-from-my-credit-report-after-the-statute-of-limitations-has-expired-how/#comment-1032 <a href="http://mycaffeinatedcontent.com">Website content</a> You are confusing two different time lines. The statute of limitations is the time limit that creditors have to legally come after you in court and varies by State and type of debt. The time that derogatory accounts can show on your credit is controlled by the Fair Credit Reporting Act and is 7-years from the date of fist delinquency. This works out to be 7-years and 180-days. Any account that shows after that date can be disputed with the credit bureaus and will be removed. Website content

You are confusing two different time lines.

The statute of limitations is the time limit that creditors have to legally come after you in court and varies by State and type of debt.

The time that derogatory accounts can show on your credit is controlled by the Fair Credit Reporting Act and is 7-years from the date of fist delinquency.

This works out to be 7-years and 180-days. Any account that shows after that date can be disputed with the credit bureaus and will be removed.

]]> By: Zodiack http://www.free--credit-report-blog.com/free-credit-reports/can-i-get-a-debt-removed-from-my-credit-report-after-the-statute-of-limitations-has-expired-how/comment-page-1#comment-1031 Zodiack Fri, 03 Apr 2009 16:56:35 +0000 http://free--credit-report-blog.com/free-credit-reports/can-i-get-a-debt-removed-from-my-credit-report-after-the-statute-of-limitations-has-expired-how/#comment-1031 <a href="http://mycaffeinatedcontent.com">Caffeinated Content</a> Don't think you can do anything about it until it has been on your credit report for 10yrs now. I know thats how long they stay on after a bankruptcy has been discharged after filing. Used to be 7 but the new laws passed a few years ago changed it to 10. They cannot collect on debts that are over the statute of limitations but they can still be reported on a credit report as unpaid debt. Caffeinated Content

Don’t think you can do anything about it until it has been on your credit report for 10yrs now. I know thats how long they stay on after a bankruptcy has been discharged after filing. Used to be 7 but the new laws passed a few years ago changed it to 10. They cannot collect on debts that are over the statute of limitations but they can still be reported on a credit report as unpaid debt.

]]> By: engineer50 http://www.free--credit-report-blog.com/free-credit-reports/can-i-get-a-debt-removed-from-my-credit-report-after-the-statute-of-limitations-has-expired-how/comment-page-1#comment-1030 engineer50 Wed, 01 Apr 2009 13:53:30 +0000 http://free--credit-report-blog.com/free-credit-reports/can-i-get-a-debt-removed-from-my-credit-report-after-the-statute-of-limitations-has-expired-how/#comment-1030 <a href="http://mycaffeinatedcontent.com">Caffeinated Content</a> Legal statutes of limitations and credit report data retention are two different things. Caffeinated Content

Legal statutes of limitations and credit report data retention are two different things.

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