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 free online bank account help? |
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<... |
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| someone has spent over 5000$ on my credit card i am sure they found out my card number do i have to pay still? |
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How much can your credit score go up a month also in a year?
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deckels | how long do "potentially negative" items stay on your credit? Will they ever go away,...? |
...and do you still owe the money?
On your credit report, how long do items stay on your report? Will your collection amount go away after a certain amount of time or will I live with it for ever. I have a repossessed car that's on my report, which is now like 15,000 in debt.... Do I have to pay it, or is there a way of getting around it? |
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Judy
 |
The item will drop off after 7 years.
They can come after you for an eternity.
/ |
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Grosvenor
|
While it is a live debt, it stays on. So if you continue to owe, it could stay there forever.
After you have fixed a bad debt, it is 7 years.
Your best bet is to go to the lender and try to make a deal, because otherwise it's going to stay on your record indefinitely. |
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jlf
|
Whether or not the debt is legally actionable does not depend on your credit report - it's a matter of your state's statutes of limitation.
The credit report is just information reported by creditors and which reflects your credit history. There could be valid debts that don't show on the reports and some debts that show on the report could be beyond the SOL - but that doesn't mean you "don't own them." |
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malica
 |
You owe the money. Period. The only way around it is to declare bankruptcy which would completely ruin your credit for 7 years.
"Potentially negative" things stay on your credit for 7 years. And just in case there was any doubt, having a car repossessed and still owe money on it is not a "potentially" bad thing, it's a "massively detrimental" thing. Do everything in your power to resolve this matter as quickly as you can - including selling any of your possessions, down sizing your living arrangements (smaller apartment, or get roommates, or sell your house for a smaller one if you currently own), or get a second job. |
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bdancer222
 |
Derogatory items age off your credit report 7-1/2 years from the date of first deficiency. This is per the FCRA and nothing restarts this clock.
The Statute of Limitations (SOL), the timeframe to bring lawsuit, varies from state to state: http://www.bcsalliance.com/y_debt_sol.html. Typically the SOL starts from the date of last activity or last payment. Making a payment can restart the SOL.
Even if a debt is beyond the reporting period and the SOL, collectors can still hound you for payment.
By the way, a repo'd car IS a negative, not just potentially negative. |
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Clarinda
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most cases. Good credit also falls off after a period of time, unless it's a current account.
In your case, if you had a re-po'd vehicle, I would say let it go, and it will fall off the credit report in 7 years after it was first listed as a negative listing - make certain you keep the current copy of your credit report as evidence, and you can get it removed after 7 years if it doesn't go away on it's own. Since it's already listed on your report, the time has already started ticking. If you choose to make payments on it, the clock starts again, and it still is listed as a negative. Theoretically, you could be sued for the amount owing, but most companies do not bother with the overhead on that, especially if you're not in a position to pay. |
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