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hello folks,
here's my situation: i started looking at my credit report just these past few months to better understand and improve my credit score...it's been abused for a long time so i finally had enough courage to tackle the beast of my past...anyhow, i have CO (one reported in 2007) and since i didn't recall that account at all (credit card), i filed a dispute with experian (got 3 reports thru annual credit reports). however, after doing a bit more research, i think i should've just let that collection fall off, since i believe in california the statute of limitations is 4 years? i just took a peek at my credit report and that old collection is again reporting...my question is, does that mean i have to wait several more years for it to fall off? i also received a letter from the collections agency a few days ago with a court date (but it's 500 miles south of me so i don't think i'll make it)...i think i should've just waited for it to fall of my record as compared to disputing it...i was just eager to repair my score and hoped that if i got it discharged then my score would rise. i could really use you guys' input...thanks!
secondly, i filled out my annual free credit reports all at the same time...i was able to view them that night, but now i can only log back into experian and review that credit report...i tried looking at both transunion and equifax and i couldn't find where i might be able to re-view that free report...any ideas?
dc
If the collection agency send u a letter with the court date,it means they will get a judgment against you and that will remain in your credit for 7yrs
How much was the collection for ?
hello...thanks for the reply...it's for 1500 plus i believe
Its not worth it to stay 3 more yrs with that co in the way
Just try to pay it for deletion
Is not worth the hassle for 1500 believe me.I would borrow the money or open a credit card and pay the collection
Remember to ask the collection agency to delete it from the credit report for a payment exchange
Most of the time they will comply
actually...here's what i got...it's actually NOT from the collections company...however, i do see them reporting again on my experian...here's what letter i got actually:
http://recordingclassaction.com/
it's actually a class action lawsuit...
dc
i had to redig the darn letter from my trash bin...lol...i was just too upset when i got it...
Well even so the original lender will sell the debt to a diffrent collection agency and then you will be back to square one with a new collection showing in your credit report
@djc1puno wrote:actually...here's what i got...it's actually NOT from the collections company...however, i do see them reporting again on my experian...here's what letter i got actually:
http://recordingclassaction.com/
it's actually a class action lawsuit...
dc
i had to redig the darn letter from my trash bin...lol...i was just too upset when i got it...
So that's good, not a suit against you. But, as a piece of easy advice to give: Try NOT to throw out letters you think are from collections setting court dates! It's really something that might be good to keep...
@09Lexie wrote:
In California, It's 7 years not 4 years.
+1
also, was the collection really yours, or someone else? i didn't quite understand your first post.
if it really wasn't yours, fight it till the end. did you owe anything and not pay back?
+1 enharu
Good advice