I have old associated debt with my late husband who died 3 years ago still sitting on my credit record which is lowering my credit rating
2007-03-06 22:26:52 · 9 answers · asked by jayne 1 in Business & Finance ➔ Credit
Telephone the credit companies and explain this to them and hopefully they will be able to correct it. i ahd some debts on mine that I never owed and spoke to them and they got it sorted out.
2007-03-06 22:31:04 · answer #1 · answered by I~Love~Baileys 3 · 0⤊ 0⤋
Dispute the trade line from all 3 credit bureaus if there. To the best of your knowledge it "belongs to primary card holder" At 7 years they should fall off anyway. Generally a tradeline that is that old doesn't get the attention of the creditor since it is falling off anyway and when they hear from the credit bureau they dont respond and after 30 days the trade line disappears. Sorry about your loss.
2007-03-07 00:08:02 · answer #2 · answered by Rico E Suave 4 · 0⤊ 0⤋
its terminal!! credit reporting agencys do not maintain records they only add to them!! You will need to write many letters in order to see any change. I suggest that you create a paper trail and then contact an attorney for the final slame dunk. Let face it, you may have your ducks in a row, but the credit agencys present you in default or slow to pay. The way its going now, in 5 years or so, the best credit score will be under 600!!
2007-03-07 01:36:10 · answer #3 · answered by lvsumrtm 1 · 0⤊ 0⤋
enable it drop off... My husband and that i both had unfavorable credit ratings and various debt. His record is rather a lot clean and issues are starting up to fall off mine, too. i became sued by technique of one creditor and characteristic a judgment hostile to me that i could could pay off before i visit close on a house. except that, the debt is historic previous regardless of their efforts to carry jointly. see you later as you do not deal with them, talk over with them or promise to pay them the seven years gained't get prolonged. once you're waiting for the unfavorable credit ratings to flow away, concentration on making particular you've something reliable on your document, if accessible. attempt to get a secured card or maybe a chevron gas card or something like that.
2016-12-05 08:54:34 · answer #4 · answered by ? 4 · 0⤊ 0⤋
How to Clean Up Credit Report: Before approving your loan, your lender contacts the credit bureaus to get your credit report. Bad credit report will severely restrict your credit. In some cases, you may not even get the credit. So it is vital to get your credit report cleaned. To enable you to achieve that you have to alter your financial habits............
2007-03-06 23:03:12 · answer #5 · answered by mey t 2 · 0⤊ 0⤋
It will stay on your record for 7 years. If it was his debt alone, you can dispute it. However, if it was a joint account, it will stay on your record for 7 years.
2007-03-06 22:47:11 · answer #6 · answered by Faye H 6 · 0⤊ 0⤋
I dont know the answer to this but I would advise you to book an appointment with the citizens advice bureau. they are experts on this sort of thing and are free.
2007-03-06 23:13:43 · answer #7 · answered by brian t 5 · 0⤊ 0⤋
should only be there for 5 years then clears?
2007-03-06 22:37:11 · answer #8 · answered by Jackie M 7 · 0⤊ 1⤋
contact the companies and tell them the situation, you may have to send thema copy of the death certificate.
2007-03-06 22:42:03 · answer #9 · answered by lisaviduka 3 · 0⤊ 0⤋