6yrs or 12yrs?
My credit file has 2 defaults 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 was 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 file for a futher 6yrs?
Thanks
Answer:
I understand too.I was in debt for a long long time and had multiple companies issuing me with CCJs. To be honest I would just leave it alone now.most companies would have just completely written you off by now. Contacting them will only dredge up your file and increase the chances of it coming back to haunt you. If it went 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 wiped though as sometimes experian/equifax forget to erase things.
Good luck with your future debt free life!
yup they can but the easiest way to avoid this problem is to pay your bills
the compnay has already written it off with insurance. however, please check to make sure that it is gone. what you need to do is really make sure that is 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 make a report saying you haven't paid anything, then 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
It depends on your state, but it is probably too late for them to file a judgement. They probably only had about a year from the origional missed payment. Also don't worry 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 payment and usually the reporting agency is late because it often isn't reported right away.
I would check and see rather they are counting from the first missed payment or not. And it is seven years, not six.
you need to check your state laws. the statue of limitations decides when a creditor can no longer sue you.
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