13 People Helped
Member Since: July 2013
I thought it was me, and perhaps I wasn't remembering my score correctly. Mine dropped by about 80 points. So tired of this credit reporting game. So glad I own my home and have been saving for any unexpected expenses.
Tracy212's reply was:
I've read through a lot of the responses and the issue I am having is that the statue of limitations in my state is 7 years. However, there are 4 collection items on my report that are years beyond the 7 years in which these accounts should have been removed my report. However, the collection agencies keep resubmitting the items with current open dates. Ex. I received an Experian and Transunion credit report about 6 years ago. One (I can't remember which) gave the approximate date the iems would no longer appear on my credit reports. When I look at my Transunion report today, each of these accounts are showing open dates that coincide with the dates when these accounts should have been removed from my credit report. Also, on the letters being sent to my home they sates the SOL has run out and they can't sue me.
So my question is, is it legal for these collection agencies to keep changing the account open date so these items remain on my credit report?
Why doesn't my home loan show on C/K reports, and asks me to connect the account with my lender? Shouldn't my home loan be the major item on a credit report?
Tracy212's response was: