Isisrose
Seattle,#2Consumer Suggestion
Fri, March 13, 2009
You say they claim you last made a payment in 2001. That would be last activity. Here is the thing. Each state has a statute of limitations on debt and that is typically anywhere from 3 - 6 years for credit card debt. It would go by whatever state you currently live in (and never let any debt collector tell you otherwise-they will try that tactic if your previos state had a longer statute of limitations). I am sure 2001 would be beyond the statute of limitations and that means they can not sucessfully sue you. You argue statute of limitations and a judge throws it out. Further more there is a time limit on when items can be reported on your credit report and this would fall under the 7 year catagory. That means if it is more than 7 years since last activity and can not go on your credit reports. 2001 is more than 7 years ago. You should be all set on this one!
Isisrose
Seattle,#3Consumer Suggestion
Fri, March 13, 2009
You say they claim you last made a payment in 2001. That would be last activity. Here is the thing. Each state has a statute of limitations on debt and that is typically anywhere from 3 - 6 years for credit card debt. It would go by whatever state you currently live in (and never let any debt collector tell you otherwise-they will try that tactic if your previos state had a longer statute of limitations). I am sure 2001 would be beyond the statute of limitations and that means they can not sucessfully sue you. You argue statute of limitations and a judge throws it out. Further more there is a time limit on when items can be reported on your credit report and this would fall under the 7 year catagory. That means if it is more than 7 years since last activity and can not go on your credit reports. 2001 is more than 7 years ago. You should be all set on this one!
Isisrose
Seattle,#4Consumer Suggestion
Fri, March 13, 2009
You say they claim you last made a payment in 2001. That would be last activity. Here is the thing. Each state has a statute of limitations on debt and that is typically anywhere from 3 - 6 years for credit card debt. It would go by whatever state you currently live in (and never let any debt collector tell you otherwise-they will try that tactic if your previos state had a longer statute of limitations). I am sure 2001 would be beyond the statute of limitations and that means they can not sucessfully sue you. You argue statute of limitations and a judge throws it out. Further more there is a time limit on when items can be reported on your credit report and this would fall under the 7 year catagory. That means if it is more than 7 years since last activity and can not go on your credit reports. 2001 is more than 7 years ago. You should be all set on this one!
Isisrose
Seattle,#5Consumer Suggestion
Fri, March 13, 2009
You say they claim you last made a payment in 2001. That would be last activity. Here is the thing. Each state has a statute of limitations on debt and that is typically anywhere from 3 - 6 years for credit card debt. It would go by whatever state you currently live in (and never let any debt collector tell you otherwise-they will try that tactic if your previos state had a longer statute of limitations). I am sure 2001 would be beyond the statute of limitations and that means they can not sucessfully sue you. You argue statute of limitations and a judge throws it out. Further more there is a time limit on when items can be reported on your credit report and this would fall under the 7 year catagory. That means if it is more than 7 years since last activity and can not go on your credit reports. 2001 is more than 7 years ago. You should be all set on this one!