Patient First
Glen Allen,#2UPDATE Employee
Wed, February 16, 2011
My name is Teresa and I represent Patient First. I have read this post with great interest and would like to discuss it with you further. Please call me directly at 1-800-447-8588, ext. 4348.
Robert
Buffalo,#3Consumer Comment
Sat, February 12, 2011
You should send a certified, Return Receipt Requested letter and remind them of the Fair Credit Reporting Act. This is a federal statute. You can download it from the FTC website www.ftc.gov
Generally, debts as this are reported for 7 years from the date of the last activity or charge off. If you haven't made any payments on this since 2000, it must be removed from your credit reports.
You should send the letter to them and the three credit reporting agencies and demand this delinquent credit line be removed.
There is an exception-if they obtained a civil judgment against you, then it stays on your credit report for as long as the statute of limitations for civil judgments in the state of the court that granted the judgment. Here's an example based on NY State. If a NYS court awards a civil judgement, then the judgment stays on your credit report for 20 YEARS (20 years is the SOL for money judgements in NY State.)
Good luck.