I got phone bill for 1993 that they said I owed and that 3 other creditors had try to collect on.I have ran my credit many time over these 14 yrs and it has never showed on my reports.It on a address I've never lived at and a phone # I don't even know.How can they do this.I live in Indiana is there a time limit?
2007-01-19 04:37:34 · 6 answers · asked by BIEKER 1 in Business & Finance ➔ Credit
No you are dealing with a zombie debt collector. The statue of limitations ran out a long time ago on this. Your credit report has dropped this off when it reached the 7 year mark. Don't fall for this trap. Because if you do they will make it new again. read the article I provided and if you need any help email me. I love going after debt collectors.
2007-01-19 05:25:13 · answer #1 · answered by logan 5 · 4⤊ 0⤋
Yes unless its a goverment debt the time limit max is 10 years! Have U been clearing up your credit? This happened to a friend of mine, he had paid off past debts, and now people R coming out of the woodwork, guess they think he hit the lottery LOL But 1 thing U should do, send these bills back with a letter attached, keep a copy of bills and the letters, in the letter request this stop and explain this is not even U. Send them certified return receipt requested. Also U have the right once a year to your free credit report get all of them, there is usually 3 different agencies if on any of them file the dispute form that comes with the reports, and send it in. This is such crap they do to people! Good Luck U will be ok, they havent a leg to stand on!
2007-01-19 04:48:38 · answer #2 · answered by bodacious baby 7 · 0⤊ 0⤋
Sometimes, they search for someone with a similar name, and send it out to them hoping one of the "Andy McDonald"s of the world will get freaked out and pay it. This happened to my mom once, for the bill for a funeral. Just tell them they have the wrong person and they will verify with the last 4 of your SSN
2007-01-19 09:29:46 · answer #3 · answered by Michele 2 · 0⤊ 0⤋
I guess bills stay on the record forever it seems! Just found out here that there was a tax lien on my place dating back to 1957!!!! Had to hire lawyer.. Good luck with yours.
2007-01-19 04:46:02 · answer #4 · answered by Shar 6 · 0⤊ 0⤋
First you need to determine if this is even your bill! According to the FCRA, they have to prove it's yours by getting original copies of the debt...which should be pretty hard to do being so old. Simply write them a letter like this:
"According to the FCRA I dispute your claim and request validation. Please provide me with original copies of the debt and the balance owed."
2007-01-19 04:42:58 · answer #5 · answered by Kevin K 3 · 2⤊ 0⤋
7 years from the time it is reported to the credit bureau
2007-01-19 04:45:54 · answer #6 · answered by peterosefan1414 3 · 0⤊ 0⤋