Help! Advice Needed! Old Write Off Just Put On My Report! From 1996!!

Anonymous — Mon, 21 Jun 2010 20:04:46 GMT

Hello !!

I just checked my credit report and my score just went down significantly....I have been desperately trying to improve my score from bad credit when I was younger!

My score improved to over 700 and now is back in the 600's ....

605 - with Transunion

651 - Equifax

I bought a car in my name only (without husband) and my score actually took a 50+ negative point hit....

Transunion just put an old account on my report from 1996....

I disputed with them and they said this account can stay on my report 7 years from the first date of delinquency ...which was Fall of 1996...this is easily outside the statute of limitations for this to be on my report...however, the bank update it as closed 2010....I have actually not received anything from this bank since the 90's ....I had actually wondered why they never "found" me to collect this....however, what should I do now???

Status as of [?] Date opened [?] Date of last activity [?] Date paid out [?] Date closed [?] Account number [?] Loan type [?] Credit limit [?] Largest past balance [?] Terms [?] Account Type [?] Account holder [?] Scheduled payment amount [?]

Feb, 2010

Sep, 1996

Jul, 1998

Not Reported

Feb, 2010

XXXXXXXX6096

Automobile

Not Reported

$18,382

52 Monthly

Installment Account

Individual Account

$446

topic Help! Advice Needed! Old Write Off Just Put On My Report! From 1996!! in Rebuilding Your Credit

Help! Advice Needed! Old Write Off Just Put On My Report! From 1996!!