6yrs or 12yrs? Hi everyone. My credit file has 2 default against me from

Hi everyone.

My credit file has 2 default against me from 12/11/2000 and has been haunting me for nearly 6yrs, They are both due to be automaticaly removed on the 12/11/2006 and be wondering can the company that i owe money too issue me with a countycourt judgement befor this date and then will be on my credit record for a futher 6yrs?

Thanks

the compnay have already written it off with insurance. however, please check to generate sure that it is gone. what you need to do is really make sure to be exact the correct date. what a lot of poeple don't realize that its 6 years after the company makes a report to the credit bureau. if the company is still put together a report saying you haven't paid anything, consequently its six years after that. make sense.

Contact equifax and ask them if they are going to be gone for sure... good luck.. I UNDERSTAND TRUST ME

yup they can but the easiest way to avoid this problem is to pay your bills

Answer:
I understand too...I was contained by debt for a long long time and had multiple companies issuing me with CCJs. To be honest I would in recent times leave it alone now...most companies would own just completely written you off by in a minute. Contacting them will only dredge up your file and increase the probability of it coming back to haunt you. If it go to CCJ they would have claimed through insurance and/or the county court, so will be no longer interested in you.

Make sure you check your credit report after the date its supposed to be wipe though as sometimes experian/equifax forget to erase things.

Good luck with your future debt free vivacity!

It depends on your state, but it is probably too belated for them to file a judgement. They probably only have about a year from the origional missed payment. Also don't verbs when the debt crops back up from another company that buys it. They can not put it back on. It is seven years from the first missed gift and usually the reporting agency is late because it often isn't reported right away.

I would check and see fairly they are counting from the first missed payment or not. And it is seven years, not six.

you need to check your state law. the statue of limitations decides when a creditor can no longer sue you.