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 Posted: Fri Mar 21, 2008 12:30 am Subject: Please help! when should a chargeoff fall off a credit rep. |
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I have a chargeoff on my report. when should it fall off? Is it 7 years from the date that it is opened or from the date it is closed. Please help as I am trying to repair my credit and this is an old debt from '99 that is still on my report. Thanks in advance.
MJ
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mjackson831
Joined: 20 Mar 2008
Posts: 4
Debtcc Points: 96
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| Posted: Fri Mar 21, 2008 1:15 am Subject: |
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mj it should have fallen off already
but people resell re-age debts etc......can you provide proof of how old debt is? or proof of payment or not you paid? actually now owing amount? I think that will determine whether or not you are obligated to pay! asking for debt validation will certainly help you in this case i think!
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socksfullofrocks
Joined: 14 Dec 2007
Posts: 578
Debtcc Points: 55
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| Posted: Fri Mar 21, 2008 1:55 am Subject: |
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Dispute as obsolete, it stays for seven years from the date of charge off.
_________________
The only people with whom you should try to get even are those who have helped you.
-John E. Southard
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Morningstar
Moderator
Joined: 06 Feb 2007
Posts: 1651
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| Posted: Sat Mar 22, 2008 1:06 am Subject: |
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morning you are always so helpful and full of knowledge!!!!!
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socksfullofrocks
Joined: 14 Dec 2007
Posts: 578
Debtcc Points: 55
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