Credit Report Questions

[University City Renter]

Two questions about credit scores. If you have a knock on your credit score, how long does it take for it to go away? For instance in 2001 my idiot soon to be x-wife stopped making payments on some credit cards that were joint that I didn’t even know about. I think they were only 60 days past due, so they didn’t knock my score down very much but would they be gone by now?

Secondly, this one is so stupid two years ago I had to go to the emergency room with a broken arm. After insurance paid you know you get one bill from anesthesiologist, one from the doctor, one from the hospital, etc. I pay them all and thought it was all done. About 3 months later I get a call from a collections agency asking for payment to something in the hospital. In reality I never got a bill but what am I supposed to do now? The hospital is so stupid, the total bill was outrageous & my out of pocket expenses for this totaled like $300 and they send my name to a collection agency for a measly $20. If I already paid the $300 why would they think I would not pay another $20? Is this going to wreck my credit score? BTW, this has happened to quite a few people that I know so maybe credit agencies have wised up to it.

Thanks

[snail]

For question #1, if these from May 2001 backward it should be gone by now.
For number #2 it probably will be on your credit file, but you could always write to them with explanation and ask them if they could remove it (not an easy process, you need to contact all three credit agency, and tell them you want to dispute the report). Good luck…
snail

[snail]

For question #1, if these from May 2001 backward it should be gone by now.
For number #2 it probably will be on your credit file, but you could always write to them with explanation and ask them if they could remove it (not an easy process, you need to contact all three credit agency, and tell them you want to dispute the report). Good luck…
snail

[snail]

For question #1, if these from May 2001 backward it should be gone by now.
For number #2 it probably will be on your credit file, but you could always write to them with explanation and ask them if they could remove it (not an easy process, you need to contact all three credit agency, and tell them you want to dispute the report). Good luck…
snail

[snail]

For question #1, if these from May 2001 backward it should be gone by now.
For number #2 it probably will be on your credit file, but you could always write to them with explanation and ask them if they could remove it (not an easy process, you need to contact all three credit agency, and tell them you want to dispute the report). Good luck…
snail

[snail]

For question #1, if these from May 2001 backward it should be gone by now.
For number #2 it probably will be on your credit file, but you could always write to them with explanation and ask them if they could remove it (not an easy process, you need to contact all three credit agency, and tell them you want to dispute the report). Good luck…
snail

[Aecetia]

Here is some info. that someone else on this site provided:
http://ezinearticles.com/?Credit-Card-Debt-Statute-Of-Limitation—What-You-Should-Know&id=82122

[Aecetia]

Here is some info. that someone else on this site provided:
http://ezinearticles.com/?Credit-Card-Debt-Statute-Of-Limitation—What-You-Should-Know&id=82122

[Aecetia]

Here is some info. that someone else on this site provided:
http://ezinearticles.com/?Credit-Card-Debt-Statute-Of-Limitation—What-You-Should-Know&id=82122

[Aecetia]

Here is some info. that someone else on this site provided:
http://ezinearticles.com/?Credit-Card-Debt-Statute-Of-Limitation—What-You-Should-Know&id=82122

[Aecetia]

Here is some info. that someone else on this site provided:
http://ezinearticles.com/?Credit-Card-Debt-Statute-Of-Limitation—What-You-Should-Know&id=82122

[UCGal]

You can see what is or isn’t on your credit report for free, once a year.

http://www.annualcreditreport.com

(Make sure you don’t accidentally sign up for a subscription service… you have to hunt for the “free” buttons with each agency.)

You can add notes/explanations to the report for anything in dispute.

Before you worry about fixing the credit report – see what’s actually on it. I thought (but very well could be wrong) that late payments went away after 5 years – so your soon-to-be-ex’s late payment issue might not show.

[UCGal]

You can see what is or isn’t on your credit report for free, once a year.

http://www.annualcreditreport.com

(Make sure you don’t accidentally sign up for a subscription service… you have to hunt for the “free” buttons with each agency.)

You can add notes/explanations to the report for anything in dispute.

Before you worry about fixing the credit report – see what’s actually on it. I thought (but very well could be wrong) that late payments went away after 5 years – so your soon-to-be-ex’s late payment issue might not show.

[UCGal]

You can see what is or isn’t on your credit report for free, once a year.

http://www.annualcreditreport.com

(Make sure you don’t accidentally sign up for a subscription service… you have to hunt for the “free” buttons with each agency.)

You can add notes/explanations to the report for anything in dispute.

Before you worry about fixing the credit report – see what’s actually on it. I thought (but very well could be wrong) that late payments went away after 5 years – so your soon-to-be-ex’s late payment issue might not show.

[UCGal]

You can see what is or isn’t on your credit report for free, once a year.

http://www.annualcreditreport.com

(Make sure you don’t accidentally sign up for a subscription service… you have to hunt for the “free” buttons with each agency.)

You can add notes/explanations to the report for anything in dispute.

Before you worry about fixing the credit report – see what’s actually on it. I thought (but very well could be wrong) that late payments went away after 5 years – so your soon-to-be-ex’s late payment issue might not show.

[Author]

Posts