Collection Question

[FICO_addiction]

and in case you didnt know that stuff yall wanted me to read is all based on debt allocated after the new law went into effect old debt, that predates the new law is not held to those standards. BING!

[FICO_addiction]

hhmmm thats funny Dabears...thats how i felt about you the whole time...guess you would be guilty of this too then huh

[Anonymous]

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@FICO_addiction wrote:

and in case you didnt know that stuff yall wanted me to read is all based on debt allocated after the new law went into effect old debt, that predates the new law is not held to those standards. BING!

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What are you talking about?

[FICO_addiction]

exactly what i thought....you dont know

[Anonymous]

I don't know because I have no idea what you are referring to.  There is nothing in the thread where anyone told you to read anything.

[FICO_addiction]

1st page , 7th post

[FatBank]

So if debt that has been aged off your credit report can be seen by mortgage lenders and employers paying more than 75k… is there a way I can see it if I want to take care of it?

[FICO_addiction]

No fatbank they cant see it...well, maybe they can see it,they cant where i live; but, may be able to where you live. it is state based. dont talk to the "others" in this post they work for your debt collectors.LOL

[Anonymous]

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@FatBank wrote:

So if debt that has been aged off your credit report can be seen by mortgage lenders and employers paying more than 75k… is there a way I can see it if I want to take care of it?

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 If you are applying for a mortgage or insurance of $150,000 or more and income of $75,000 or more those can be seen.  It is not automatic and they would need to ask for the full and factual report.  Yes, you can by calling the CRAs and asking for it.  I would ask for unpaid accounts because if you ask for the entire thing it could be hundreds of pages.

This is in any state, it is a federal law found in the FCRA.

[DaBears]

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@FatBank wrote:

So if debt that has been aged off your credit report can be seen by mortgage lenders and employers paying more than 75k… is there a way I can see it if I want to take care of it?

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The lender will tell you at that point to take care of it if they wish. Some won't. It does happen, sometimes it doesn't. Depends on the mortgage lender.