If it has been removed by the reporting party, it should no longer appear on your CR, anywhere.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Thanks, Shogun. 
*added to big book of knowledge*
I wouldn't personally file bankruptcy, but I don't understand the WHOLE situation. I think you'll be ok, though. Besides, you may be able to settle for less and GW or get a deletion for less than what is owed, depending on how old the debt is. 
There is also a possibility that you don't actually owe that much, it may be reported incorrectly. There are so many factors included in debt-repayment, that there would probably be a few options for you.
Also, if you are outside the SOL on debts you have more leverage then to settle for less, and have the statute as a defense if they attempt to take legal action.
These are things I know, and I don't know everything, but I hope this helps you feel better!
@xaiduz114 wrote:I wouldn't personally file bankruptcy, but I don't understand the WHOLE situation. I think you'll be ok, though. Besides, you may be able to settle for less and GW or get a deletion for less than what is owed, depending on how old the debt is.
Also, if you are outside the SOL on debts you have more leverage then to settle for less, and have the statute as a defense if they attempt to take legal action.
These are things I know, and I don't know everything, but I hope this helps you feel better!
Thank you it does make me feel a lot better! My husband was pressuring me into filing bankruptcy until I showed him I really don't owe that much (on my credit report) and I can clean it up. I will still have some things I can't get rid of but I think it will be better than bankruptcy in the long run. He filed bankruptcy about ten years ago and it was great for him. He got a house and a great car loan after that so he thinks I should do it. I can do the same thing without filing bankruptcy. The majority of my debt is not on my credit report. It is from a repo and credit card from years ago. It is about ten years old. Once I have taken care of everything on my credit report maybe I will work on that. How do I get a report that shows everything I owe that is not on my credit report? I don't even know how to go about getting that information.
Bankruptcy may make all the baddies go away you had, but it's a baddie in itself. It doesn't solve everything. There are many lenders (credit cards especially) that won't accept any application if you've had a BK in the last 3 years. Do you know how much all your debt is? You need to remind your husband that the same solution will not have the same effect for everyone.
I would work on what is currently reporting, first, to help you build positive tradelines and improve your recent history in the eyes of lenders. As for a complete report like that, I don't know if there is one. if you know who you owe the debt to, when you are READY, you could request an itemized and current bill for that debt. I'm not sure how to go about that, though. I'd research it, perhaps.
As for the repo, you may be able to settle that for a lot less, and same with the CC, since they are ten years old. What state do you live in? Unless it's Kentucky (Written contracts have a 15 year SOL), you may be able to settle for literally pennies on the dollar.
That is what I would suggest, but I am no legal advisor. You may get different advice from someone with more knowledge.
ME TOO! Haha, maybe we can swap state law info at a "slumber party". LOL. Written contracts are 6 years, oral is 3, and medical debt has a specific 3 year SOL for WA staters.
And you're welcome. Just trying to help, even if that's just easing the stress a bit.
The stipulation where they can pull a full report is only a remote possibility, it doesn't happen very often, but we don't want our posters to know it CAN happen. My mortgage was for more thatn 150k, and only pulled the normal CR, just like most would. So it's not something I'd worry too much about it, if they do and give you grief, get another lender.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@xaiduz114 wrote:ME TOO! Haha, maybe we can swap state law info at a "slumber party". LOL. Written contracts are 6 years, oral is 3, and medical debt has a specific 3 year SOL for WA staters.
And you're welcome. Just trying to help, even if that's just easing the stress a bit.
Ha ha! That would be fun!