After 7 years, is a bill charged past its sell-by date and what is the best channel to clear my credit report? I have harassing bill collectors trying to collect on 2 accounts (credit

I have harassing bill collectors trying to collect on 2 accounts (credit cards). One is 10 years old-fashioned. The other is 15 years old and already salaried yet showing on my credit report as unpaid!

here are 3 major credit companys you call for to request a copy of your credit report then see request a statement from the collectors to see what you owe and where on earth it came fromSounds close to idenity theft to me you have need of to be very well thought-out

after that long, it shouldnt even be on your credit report anyways. but since it is, you should phone up the credit bureau and let them know that the debt is remunerated and what do you need to do to bring back the debt off your credit report.

Answers: you enjoy what is called zombie debt
write a certified return receiving letter close to the following

Month Day, 2007

Dear _____________________:

This letter is human being sent to you in response to a consideration sent to me on Month Day, 2007
. Be advised that this is not a refusal to repay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for ��verification�� or proof of my mail address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I own any legal responsibility to pay you.

Please provide me beside the following:
o What the money you say I owe is for;
o Explain and show me how you calculated what you influence I owe;
o Provide me with copies of any papers that show I agreed to discharge what you say I owe;
o Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument carriage my signature.
o Prove the Statute of Limitations/UCC has not expired on this commentary
o Show me that you are licensed to collect in my state.
o Provide me next to your license numbers and Registered Agent

At this time I will also inform you that if your offices hold reported invalidated information to any of the 3 major Credit Bureau��s (Equifax, Experian or TransUnion) this management might constitute fraud under both Federal and State Laws. Due to this reality, if any negative blemish is found on any of my credit reports by your company or the company that you represent I will not hesitate contained by bringing legal performance against you for the following:
o Violation of the Fair Credit Reporting Act
o Violation of the Fair Debt Collection Practices Act
o Defamation of Character

If your offices are competent to provide the proper documentation as requested in the following Declaration, I will require at least possible 30 days to investigate this information and during such time all collection commotion must cease and desist.

Also during this validation interval, if any action is taken which could be considered detrimental to any of my credit reports, I will consult near my legal counsel for suit. This includes any list any information to a credit reporting repository that could be inaccurate or invalidated or verify an account as accurate when contained by fact nearby is no provided proof that it is.
If your offices come to nothing to respond to this validation request within 30 days from the date of your getting, all reference to this account must be delete and completely removed from my credit file and a copy of such deletion request shall be sent to me in a jiffy.

I would also like to request, contained by writing, that your offices product no telephone contact to me at my residence or my place of employment. If your office attempt telephone communication next to me, including but not limited to computer generate calls and call or correspondence sent to or with any third party, it will be considered harassment and I will hold no choice but to file suit. All adjectives communications with me MUST be done within writing and sent to the address noted in this dispatch by USPS.

It would be advisable that you assure that your records are surrounded by order earlier I am forced to take permitted action. This is an attempt to correct your files; any information obtained shall be used for that purpose.

Reguards,

They cannot collect on accounts over seven years old and don't tolerate them fool you into thinking other wise. What you inevitability to do is get a copy of your credit reports from adjectives three agencys and file a note of dispute on the one that is rewarded (send proof of payment if you still enjoy it) and file a note of dispute on the one they are trying to collect that is over the time hold back to collect. Make sure you send a communiqu�� to all three agencys so they can adjectives make the renovate at the same time. It will bear about 30 days for them to brand the change. Give them the time to do this later request another credit report and see if the changes hold been made.
Good Luck.

you inevitability to prove they have be paid until that time they will leave you alone. Someone conspicuously screwed up!