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05-05-2009 08:47 PM
05-06-2009 09:34 AM
Depends on the creditor.
Macy's - forever.
USAA - forever
AMEX - reported forever, but hear about exceptions to this.
BoA - have heard of problems being reported 10 to 15 years later.
05-06-2009 09:46 AM
05-06-2009 09:54 AM
05-06-2009 10:16 AM
I don't think GW will do anything for "internal company files." I really don't know what their long term policy is, and it may just cost you an inquiry to find out.
As far ass Target an Macy i applied last years an was denied for accounts that went bad with them years ago I was just wondering has anyone every had success with anyone that backlist them from the past forgive them..
05-06-2009 10:20 AM
Have you considered voluntarily settling these accounts, even though past SOL, IIB and beyond CRTP?
Macy's has a recovery "reinstatement" program. Maybe Target would do similar? Or maybe Target isn't in your future?
05-06-2009 12:06 PM
05-06-2009 12:25 PM
05-07-2009 06:33 AM
Macy's is not forever. I had a Macy's card years ago and defaulted, charge off. Now many years later they gave me another card with an even higher limit than when I defaulted on.
Personally I think it has much to do with when you defaulted as in your age and where you are today. I defaulted on many many credit cards in my younger years and have most of them back now that I'm pushing 40.