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That's the first thing I thought teamfico. I have all of my reports dating back to 2/06. I hope it's enough.
teamfico wrote:For safety's sake, make sure you save a copy of all three CRA's reports showing the dates and the removals. Keep everything together. Even keep old reports so you have a track record. I say never throw them away.There are so many scum bag junk debt buyers out there!
I would like to do the moral thing and PIF but the rep was so nasty I changed my mind. I'm not so sure I want to deal with them again. I just opened a BofA Amex. Do you think they will cancel it?
SmartCookie wrote:You spoke with an EX rep and they just gave you general info.AMEX won't play dirty if this is past collecting SOL. They do not sell their accounts to CAs and usually just use NCO to collect.If you choose to pay at a later time, they will give you no problem if you request that they do not re-report and probably would not report even if you did not ask them to.You might get letters from them in the future offering you their OASIS program which is voluntary. If you did want to PIF, this would be the way to go as it would give you a guaranteed new card with them and take you off of their blacklist (due to the PIF). Paying under these circumstances would re-report your old credit line(s) but with no baddies. That's always a nice thing.
That's what I figured. I hope the rep was just giving me a hard time.
Brammy wrote:they could but if they entered intoyour CR after the 7 yr reporting period I believe that is 1000.00 per offense.HTH