Where to start

[Tink1o5]

I understand that they do not go away, but they would be off the CR right? 

[Tink1o5]

So basically all in all I should pay ALL debts that have NOT been paid even Debt that is near the 7+ year mark

[guiness56]

They go to your credit file.  In certain circumstances a lender can ask for your entire file, not just your current credit report.  It is rare that it happens but they do have the option.

[guiness56]

If you can pay it yes, or you can offer a settlement if you can't PIF.

[Tink1o5]

I have a few that will hit there 7 year mark that i cannot pay they are around 10-13k

[Tink1o5]

So for the GW letter. Who do i send it to.... in this case

Agency Address:	600 BEACON PARKWAY W STE 300 BIRMINGHAM, AL 35209 (205) 313-2630
Date Reported:	06/2009
Date Assigned:	12/2008
Creditor Classification:
Creditor Name:	T MOBILE
Accounts Number:
Account Owner:	Individual Account.
Original Amount Owned:	$1,018
Date of 1 st Delinquency:	06/2008
Balance Date:	06/2009
Balance Owned:	$0
Last Payment Date :	08/06/2009
Status Date:	06/2009
Status:	P - Paid
Comments:	N/A

[Shogun]

Willingness to pay after the SOL or CRTP has expired is an ethics or morals issue that won't be discussed.  But as guiness has eluded to earlier, there are instances where this information can come to light even with the time period expiring.

1.  Applying for a job with a salary of $75K+

2.  Applying for a mortgage of $150K+

In both these instances your full report could be pulled and would show the unpaid accounts.  Also as Scott has said before, if you are asked if you have any outstanding unpaid debts you will need to answer that question.

[Shogun]

You would send it to that address that is listed.

[Tink1o5]

Ok. Thank you for the information.   That being said.. With the amount of debt total i have 40+k how long am i looking to rebuild and be well enough to get a house? At this point its feeling like Never

[Tink1o5]

What if I do not have the full account number to give for the GW?