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 Posted: Fri Apr 13, 2007 10:55 am Subject: my friend has lot of |
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my friend has lot of charge off as bad debt but the estimate date they will be drop is august 2007. should i write the credit bureau to let them to drop them or should contact the creditor to drop
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tabgig
Joined: 13 Apr 2007
Posts: 1
Debtcc Points: 30
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| Posted: Fri Apr 13, 2007 11:23 am Subject: |
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As I don't know the specifics of your situation, my first off the cuff answer would be to wait and see if they drop off your friend's credit report the way they should. Then, if that doesn't happen, write a letter. Again, this is just my uninformed opinion. Someone else on here will no doubt be able to give you a better answer very shortly.
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Lorri
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Joined: 27 Apr 2006
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| Posted: Fri Apr 13, 2007 12:43 pm Subject: |
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You don't need to write letters because the negative information will automatically be removed from the file once the reporting time is over. If this doesn't happen, write letters to the bureaus highlighting the item and get it removed.
If you contact the creditors now, it will be like opening up new can of worms and they will push some collector to recover the debt. You have nothing to worry because the debt is already past the SOL. If I were in your place, I will wait for the item to be removed automatically.
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Ruby
Joined: 08 Mar 2006
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| Posted: Fri Apr 13, 2007 12:56 pm Subject: |
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I agree with waiting and letting them come off by themselves. You don't want to do anything that is going to cause things to change and keep them on the report longer.
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2nband
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