mr.madison Posted April 11, 2007 Report Share Posted April 11, 2007 My wife and I both had Rich’s accounts from the past that are still showing open on our credit reports. I’m buying a house and part of my loan is these accounts must be proven as not me or they must be paid in full. My question is Richs is no more so Macys is the sole holder of these cards.. They are pretty small in balance one 400 other 350.. But how would you suggest me paying these? Can I make them a offer? Would they remove them from my credit or pay off at a lower rate? i dont want to get a ding on my credit for paying these either as they are both close to 5 yrs old now. The problem seems to be that richs never closed these.. they are still showing as open active cards.. Just wayyyy late. I need any suggestions that you can give me to best handle these accounts.. thanks Link to comment Share on other sites More sharing options...
CreditLawGuru Posted April 11, 2007 Report Share Posted April 11, 2007 have you tried disputing them with the CRA's? Link to comment Share on other sites More sharing options...
mr.madison Posted April 11, 2007 Author Report Share Posted April 11, 2007 yes i have and they state that its been verified... and my home loan cant close unless i resolve this... its just so damn old. for me to bring it up is prob going to bite me in the a$$ later:confused: Link to comment Share on other sites More sharing options...
IHateCAs Posted April 11, 2007 Report Share Posted April 11, 2007 So what actually happened with these accounts, aside from how its reporting? Link to comment Share on other sites More sharing options...
mr.madison Posted April 11, 2007 Author Report Share Posted April 11, 2007 well it was a old account from when i was younger... i just really forgot about it and never followed up. so it is mine and i know this. but i just dont know whats the right method to handle such an item Link to comment Share on other sites More sharing options...
mr.madison Posted April 12, 2007 Author Report Share Posted April 12, 2007 so i guess i shuld just pay it and get it over with huh? Link to comment Share on other sites More sharing options...
Recommended Posts