I have 7 positive accounts and 6 negatives. My credit score is pretty low. The 6 negatives are credit cards. Well actually 3 are cards and the other 3 are the same cards but are from collections. Each card is reporting me twice. I disputed all the negatives and they all came back as correct. The 3 cards plus one of the collection agency are scheduled to be removed in Nov. 2007. The other 2 collections are scheduled to be removed till Nov. 2013. I got the 3 credit cards in 2000, spent them and never made a payment.(yes i know, young and dumb). The other 2 collections are reporting that the accounts were open in 2006 and thats why they will not be removed till 2013. I didnt open anything in 2006. All 3 original debts were opened in 2000.
What could I do about this to try and get those last 2 dates changed?
I though it was 7 years and thats it. Can they keep selling your debt to diff. companies and restarting your 7 years?
Thanks for all the info in advance!
2007-07-06 10:23:59 · 1 answers · asked by bill t 2 in Business & Finance ➔ Personal Finance
Sad to tell you that, when a debt which is not collected is sold to a collection agency, your seven year love affair starts all over again.
That is why your disputes came back as 'correct'. The collection agency reported them after it took possession of the debt for collection.
2007-07-06 10:35:43 · answer #1 · answered by acermill 7 · 0⤊ 0⤋