Credit report question? I thought that items could only stay on your credit report for

I thought that items could only stay on your credit report for 7 years if they be closed or collection accounts. Most of what I had on at hand is off, but three companies hang on to selling the account and presently for two credit cards I have 8 entries on my credit report for matching account merely different collection agencies. Can they do that? Also, why would a law firm that be told (by a judge) that they waited too long and be fined themselves for their tactics still request my credit report on a monthly proof? Isn't that harassment?

And don't explain to me to pay my bills, I do. This is from 8 years ago and be not my fault.

Whose eccentricity do you think it be? Of course it was your failing. You are responsible for your debts -- I would have thought by in a minute, 8 years later, you would hold learned this.

With regard to your actual questions, items stay on your credit report for 7 years from the date they be actually discharged or past due. So if different credit agencies are still trying to collect on your debt, it's going to continue to show. PAY YOUR BILLS!

As for the tenet firm requesting a credit report on you monthly, do you have the judge's written ruling stating that they can no longer do this? If so, submit a copy to respectively credit bureau (there are 3 major ones) and include your own written missive advising them to quickly stop providing any credit information to this firm.

ADDITION: Nice of you to ADD details after the fact that transfer your entire story. If you don't like someone's answer, don't take home up new stuff to variation your story to a different one. If you were the casualty of theft and credit card fraud, read out so! And report it. This way the fraud will be removed from your credit report and you will not be liable. If YOU established to GIVE UP, then YOU are responsible for this mess. Life's most defining lessons are those that are other the most difficult to learn.

contact the credit bureau and explain the situation, it might give somebody a lift a few tries, but eventually youll find someone who cares plenty to investigate the matter & theyll procure it cleared up
good luck :o)

Answers:
Negative items can one and only be reported for 7 years from the date of the negative item. So for things close to Charge-Off's that would be 7 years from the date of last delinquency. Also, creditors are unacceptable to have more than 1 collection portrayal per original reason at any one time.

Now, unless the judge created an writ that they are not allowed to verbs your credit report I am not sure if there is anything that would be considered harrasement. He may enjoy been conversation about the Legal Statute of Limitations, which is the amount of time they own to file a suit against you. This is different than the reporting time for credit reports. Until a debt is remunerated creditors can take justifiable means to attempt to collect the debt. So it would basically be up to a judge if pulling your credit report every month would be considered unreasonable beneath the Fair Debt Collections Practices Act(FDCPA)

You don't say if the imaginative debt is off your report but, however it seems that they might be as you are a short time ago talking almost collection accounts. So, you first need to convey a dispute to the Credit Reporting Agencies to have them verify each of the collection accounts. In your dispute you inevitability to state that they are older than 7 years and necessitate to be removed. Send this by certified mail next to a return receipt. If the CA's do not bear out the debt in 30 days they will be removed.

If any of the agencies corroborate the debt, you will then own to dispute them directly with the CA's. Here they necessitate to send you proof of the debt including the date. If they do not give this information to you contained by 30 days, you then can transport another letter to the Credit Reporting Agencies and hold them remove the listing because they did not verify.

It will take plentifully of paperwork and letters, but eventually you should be capable of get it straighted out.

Most inportant is yes specifically harrasment, and yes MOST items will stay on your report for 7 years but thier are a few that will stay for 10. im not sure what items are on yours. Your prob gonna have to do some leg work calling the diff companys and find out why thay are still reporting the bills. after i would go to freeanualcreditreport.com and step to the 'file despute' section. It will document all of the items on your report but you will be capable of click and select them indevidualy. just click on the item specifically older than 7 years and when the screan change explain that the bill is old. thay should investigate it inwardly 30 days but here is the beutifull part. if thay dont investigate it inside the 30 days thay have to remove it reguardless so engender sure to dispute them all at once. worthy luck.

There is a proper way to button this. I recommend credit repair unless you have lots of time and a illustrious tolerance for aggravation. Some things are better left to the professionals. Usually companies charge hundreds of dollars to simply verbs your credit and send correctly worded dispute letters��this is the key��..culture will tell you that you can do this yourself for free but the truth of the concern is that the credit bureaus will throw your letters away or simply reject them. There is an trouble-free to use online kit that will deliver the results you want available for basically $19.95 at the source website. A similar kit is person sold via infomercials and radio talk shows for seventy dollars more but they try to solicit you repeatedly for other services after the reality.