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 Posted: Tue Sep 04, 2007 3:02 pm Subject: way to locate old debts |
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Is there any way to find whether I owe $$$ to where, besides credit report?
I check my report regularly, yet suddenly I received a letter...I thought I paid off whatever from old time.
I did settled with a few creditors and collectors last year, then I thought I am debt free...
I'd like to know if I more than this new one.
Thanks.
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| Posted: Tue Sep 04, 2007 3:23 pm Subject: |
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Is the company that sent you the letter reporting on your credit copy? If so, you need to request for the account statement from the company and know the latest standing of the debt. The most important thing that you need to find out is the age of the debt. If the account is already seven years old from the date of first delinquency, the creditor cannot report that item on your credit file. Be aware that a partial payment will renew the SOL and the account will be listed back on your credit copy. Legal actions will also come into effect if you default until the debt is paid. Ask the company to give you more information about the debt before you make any agreements.
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weeswie
Joined: 07 Aug 2006
Posts: 382
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| Posted: Tue Sep 04, 2007 4:15 pm Subject: |
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thanks. It has never been on my report to be honest. so, i did not know until now of its existence. I sent validation letter today.
what i am afraid of is that there is any more? that I am not aware of or i forgot about, that have never been on report...
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