Just viewed Credit report!!!!

[Anonymous]

I thought collection accounts would drop off my credit report after 7 years???? My report has collection accounts dated back to 9-10 years.

Need a answer to this question, I'am getting collection calls or Letters, and my correct address is listed on the report:

[llecs]

Welcome to the forums!

Could you name for us the name of the company or companies reporting beyond 7 yrs?

Unfortunately, long after SOL or CRTP expires, a CA can still try to collect.

[Anonymous]

they are 2 auto loans both paid off.....but because I missed payments it's on credit report as Late Payment's

the 2rd account is a credit card thru diners club:

[llecs]

OK, some OC accounts will naturally fix themselves and report for the full 10 years. I would look at your FICO reports for these and make sure there are no red flags associated with them. Make sure they aren't reporting any lates, "charge-off" remarks, etc.

I had a Zales account that was charged-off in 1997. To date, it is still reporting as an "opened" account. It is my oldest and greatly helps my history. I wouldn't dare do anything to get it off.

Message Edited by llecs on 04-06-2009 05:09 PM

[Anonymous]

the auto loan do have Red Flags......

[llecs]

Exactly how are they reporting?

[Anonymous]

As Late Payments in the Collection portion of my credit report, the balances are zero, it also states Balance are paid in full:

[llecs]

What's the name of these car lenders? They are supposed to be in the Accounts section. These aren't collection agencies, are they?

[Anonymous]

1st is "Drive Finnancial" and the 2nd is thru Auto Smith FInnancial they are not collection agency's