fitch77 Posted January 14, 2012 Report Share Posted January 14, 2012 I have some old CC debts from 2005 that according to my credit report will drop off the books at the end of this year (in August and September). I read somewhere that I need to dispute the debts on my credit reports before the 7 years is up. Is this true? By the way we are past the statute of limitations for my state so they can't try to get a judgment against me. Link to comment Share on other sites More sharing options...
TXlaw Posted January 15, 2012 Report Share Posted January 15, 2012 Negative information stays on your report for 7 years from the original delinquency date. Then it is automatically deleted by the credit reporting agencies.How long will it be on my credit report?How Long on your reportPositive Information IndefinitelyBankruptcy 10 yearsLate payments 7 yearsAccounts sent to collections 7 yearsOther Negative Information 7 yearsLawsuits or Unpaid Judgments 7 years or moreInformation in response to a job application where the salary is over $75,000 IndefinitelyInformation reported because of a credit or life insurance application for over $150,000 Indefinitely Link to comment Share on other sites More sharing options...
Coltfan1972 Posted January 15, 2012 Report Share Posted January 15, 2012 By the way we are past the statute of limitations for my state so they can't try to get a judgment against me.Oh they can try. It happened to me. I got the claim dismissed and sued them for an FDCPA violation, and won. Not saying they will but they defiantly still try. You will just an affirmative defense of the debt being outside the staute of limitations. Link to comment Share on other sites More sharing options...
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