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Phi53483

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A bank says I owe $824 from 1990. What should I do?

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They sent you a notice?  The statute of limitations on debt collection expired at least 10 years after the last payment on the debt so it is uncollectable on that basis if a notice was sent.

If it is showing on the accounts here, go to annualcreditreport.com and get copies of all three credit reports (something you want to do every year to make sure all records are straight).  Look these records over very carefully and file written disputes on all wrong information with the credit bureau reporting same.  They are supposed to investigate and either verify or delete the disputed information.

Errors are not uncommon on credit reports but only the individual creditor can correct them by doing the annual check of their credit reports.  . 

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