Comments on: How to handle bad credit debt thats almost 10 years old but it still shows up on my credit reports? http://www.reducecreditcardbills.com/credit-cards/how-to-handle-bad-credit-debt-thats-almost-10-years-old-but-it-still-shows-up-on-my-credit-reports/ Eliminate Your Debt From Credit Cards Fri, 18 May 2012 07:15:19 +0000 http://wordpress.org/?v=2.7.1 hourly 1 By: Jaylin http://www.reducecreditcardbills.com/credit-cards/how-to-handle-bad-credit-debt-thats-almost-10-years-old-but-it-still-shows-up-on-my-credit-reports/comment-page-1/#comment-686 Jaylin Wed, 30 Dec 2009 16:26:30 +0000 http://www.reducecreditcardbills.com/credit-cards/how-to-handle-bad-credit-debt-thats-almost-10-years-old-but-it-still-shows-up-on-my-credit-reports/#comment-686 countless Americans nowadays are battling bad credit. if you are battling credit problems, you have to obtain support at once. here's a helpful website: countless Americans nowadays are battling bad credit. if you are battling credit problems, you have to obtain support at once. here’s a helpful website:

]]> By: Azzuan http://www.reducecreditcardbills.com/credit-cards/how-to-handle-bad-credit-debt-thats-almost-10-years-old-but-it-still-shows-up-on-my-credit-reports/comment-page-1/#comment-685 Azzuan Wed, 30 Dec 2009 15:30:45 +0000 http://www.reducecreditcardbills.com/credit-cards/how-to-handle-bad-credit-debt-thats-almost-10-years-old-but-it-still-shows-up-on-my-credit-reports/#comment-685 With Debt Settlement or Debt Consolidation you can reduce or restructure your personal or business debt, or receive free help to decide which option is best for you, to ultimately achieve peace of mind. Curadebt has been ranked as one of the top debt settlement companies by many industry experts based on the Written GUARANTEE, over 8 years serving consumers and businesses, long term BBB Membership, Member of TASC (The Association of Debt Settlement Companies) and the Chamber of Commerce. With thousands of clients successfully helped, you can trust your finances to the CuraDebt debt help team. With Debt Settlement or Debt Consolidation you can reduce or restructure your personal or business debt, or receive free help to decide which option is best for you, to ultimately achieve peace of mind.
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]]> By: trixibel http://www.reducecreditcardbills.com/credit-cards/how-to-handle-bad-credit-debt-thats-almost-10-years-old-but-it-still-shows-up-on-my-credit-reports/comment-page-1/#comment-684 trixibel Tue, 29 Dec 2009 17:06:02 +0000 http://www.reducecreditcardbills.com/credit-cards/how-to-handle-bad-credit-debt-thats-almost-10-years-old-but-it-still-shows-up-on-my-credit-reports/#comment-684 here's what is happening...they are selling your account to another collection agency and the 7 years is starting over...happened to me... they are in fact "re-aging" your account which is suppose to be illegal...but apparently there are loop holes....dispute them with all 3 bureaus...and it is seven years from the last date of ACTIVITY.... here’s what is happening…they are selling your account to another collection agency and the 7 years is starting over…happened to me… they are in fact “re-aging” your account which is suppose to be illegal…but apparently there are loop holes….dispute them with all 3 bureaus…and it is seven years from the last date of ACTIVITY….

]]> By: CatDad http://www.reducecreditcardbills.com/credit-cards/how-to-handle-bad-credit-debt-thats-almost-10-years-old-but-it-still-shows-up-on-my-credit-reports/comment-page-1/#comment-683 CatDad Tue, 29 Dec 2009 00:01:03 +0000 http://www.reducecreditcardbills.com/credit-cards/how-to-handle-bad-credit-debt-thats-almost-10-years-old-but-it-still-shows-up-on-my-credit-reports/#comment-683 There is only ONE 7-year cycle for the reporting of bad debt....This cannot be re-started regardless of how many debt collectors buy this debt. This 7-year cycle starts on the date of your first missed payment that led to the default on the account. It is illegal for debt collectors to change the “Date of Delinquency” to “re-age” the debt for their advantage. This is a violation of the Fair Credit Reporting Act. Mail a letter via certified mail with return receipt to all three credit bureaus (Equifax, TransUnion & Experian). Include a photocopy of your driver's license and social security card...If you don't include these, they may write back requesting them, which would slow the process down by several weeks. In your letter, simply state: Per the Fair Credit Reporting Act, I am requesting - validation that this debt is being reported within the 7-year time frame as allowed under the Fair Credit Reporting Act - validation of the original "Date of Delinquency" for this debt There is only ONE 7-year cycle for the reporting of bad debt….This cannot be re-started regardless of how many debt collectors buy this debt. This 7-year cycle starts on the date of your first missed payment that led to the default on the account. It is illegal for debt collectors to change the “Date of Delinquency” to “re-age” the debt for their advantage. This is a violation of the Fair Credit Reporting Act.

Mail a letter via certified mail with return receipt to all three credit bureaus (Equifax, TransUnion & Experian). Include a photocopy of your driver’s license and social security card…If you don’t include these, they may write back requesting them, which would slow the process down by several weeks. In your letter, simply state:

Per the Fair Credit Reporting Act, I am requesting

- validation that this debt is being reported within the 7-year time frame as allowed under the Fair Credit Reporting Act
- validation of the original “Date of Delinquency” for this debt

]]> By: Crazyjester9 http://www.reducecreditcardbills.com/credit-cards/how-to-handle-bad-credit-debt-thats-almost-10-years-old-but-it-still-shows-up-on-my-credit-reports/comment-page-1/#comment-682 Crazyjester9 Mon, 28 Dec 2009 01:30:29 +0000 http://www.reducecreditcardbills.com/credit-cards/how-to-handle-bad-credit-debt-thats-almost-10-years-old-but-it-still-shows-up-on-my-credit-reports/#comment-682 You're right. It's 7 years from the date of first delinquency. Mail in disputes for each account to the credit bureaus stating the accounts are past the reporting period established by the FCRA. That should get them removed. You’re right. It’s 7 years from the date of first delinquency.

Mail in disputes for each account to the credit bureaus stating the accounts are past the reporting period established by the FCRA. That should get them removed.

]]> By: SPIFIMAN1 http://www.reducecreditcardbills.com/credit-cards/how-to-handle-bad-credit-debt-thats-almost-10-years-old-but-it-still-shows-up-on-my-credit-reports/comment-page-1/#comment-681 SPIFIMAN1 Thu, 24 Dec 2009 21:17:07 +0000 http://www.reducecreditcardbills.com/credit-cards/how-to-handle-bad-credit-debt-thats-almost-10-years-old-but-it-still-shows-up-on-my-credit-reports/#comment-681 You need to dispute these accounts with all 3 credit bureaus stating the per the Fair Credit Reporting Act these accounts are to old to be listed on your credit report. You need to dispute these accounts with all 3 credit bureaus stating the per the Fair Credit Reporting Act these accounts are to old to be listed on your credit report.

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