2006-09-14 13:09:21 · 8 answers · asked by Gingi 2 in Business & Finance ➔ Personal Finance
If they've been written off by the companies you owed, you can no longer pay them off. Otherwise, get a hold of those companies.
Student loans, like diamonds, last forever.
2006-09-14 13:11:52 · answer #1 · answered by lucyanddesi 5 · 0⤊ 0⤋
If they are past due by a few years, have your credit pulled, see if you can't get a signature loan to pay them off. I am guessing you are wanting to get your credit straight.? Get a cheap file or folders (to keep info in order) O NOT BE LATE on a payment. You right now are looking at 2 years, MINIMUM to get it straight,but don't give up, plan accordingly. It is a hard lesson to learn but if you don't pay your bills, and take care of your credit... it is a hard road. TRUST ME, I have been correcting my credit for almost two years, but BOUGHT MY FIRST HOUSE!!! (not mobile home) two weeks ago! I don't know your goal but if you are looking up the past I guess you are trying to get your credit right. DO NOT GIVE UP!!! pay it be very sincerere they will work with you if you are ON TIME. If you don't intend to carry through, don't give current ddress,phone, etc, or they can RE- HOUND you again. Best of Luck, IT IS WORTH THE EFFORT!!!
2006-09-14 20:31:08 · answer #2 · answered by iceberg 3 · 0⤊ 0⤋
I am a Mortgage Broker & a Realtor, If has been my experince that if your debts are older than 24months it will not help your credit score at all to pay these items off. I often do credit repair for clients and I advice them it they the debts are old leave them and you will recieve higher credit score increases by opening a secured credit card or two with the same money you were gonna use to pay off those old debts.
2006-09-14 20:26:08 · answer #3 · answered by REGAN M 1 · 1⤊ 0⤋
Go to www.equifax.com and request a free credit report. Next, check on the credit report for unpaid bills...trust me they will be listed. Beside those bills, look for name/address/phone number of creditor. Call them up, and make arrangements to pay.
It is true that most creditors have written off your payment, but they will still take payment. And, it should be reported to your credit history, that you paid these items in full. Generally your un-paid creditors follow you on your report for 7-8 years.
Good Luck,
Stephanie
2006-09-14 20:16:37 · answer #4 · answered by Stephanie H 2 · 0⤊ 0⤋
Your TRW, go through credit bureau.
2006-09-14 20:16:53 · answer #5 · answered by pyxypower777 2 · 0⤊ 0⤋
call them up im sure they still have your name on file if it hasnt been that long ago
2006-09-14 20:11:03 · answer #6 · answered by boo 1 · 0⤊ 0⤋
probably your credit report
2006-09-14 20:11:06 · answer #7 · answered by MarshaMarsha 3 · 1⤊ 0⤋
if its not on your credit report, scratch it. if it is pay it.
2006-09-14 20:12:26 · answer #8 · answered by hennesseywalton 2 · 0⤊ 0⤋