Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!


Posted in Credit Cards
Profile Image

Question By

4 Contributions
1 Person Helped
Closed debt from 2010 still showing, when will it be removed? Should i PFD?
Hello all, i am working on building my credit with an end goal of being able to buy a home within a year or two. I am 34, been living with a friend for the last 6 years after my mother passed away in which she ruined my credit before i could do anything (she took out loans using my SS# when i was 10 and used my dad's name) so when she passed away i had no idea about the 6000 loan under my name. Luckily that is resolved now and is closed showing no missed payments, i disputed that a year or so ago and now i only have one negative think on my credit report...

Closed verizon account of $979. It was closed in Jan 2010, last reported Dec 01 2011. My question is what should i do about this. Is this most likely going to dissapear by january next year? I have gone from 500 credit score in may 2015 to 620 right now.

I think that after i disputed the 6000 loan and it is now showing that i have a 25 year credit history with no missed payments on that loan and i was able to go from only having a 300 CL card a month ago to being accepted for a 2000 CL quicksilver card. It was crazy, before i disputed this 6000 loan i couldn't even get a department store credit card.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

All Responses

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
675 Contributions
362 People Helped
Most Helpful Response

Helpful to 1 out of 1 people

Well first congrats on getting your score up and your new card.  First I would check your states SOL and see if they can still sue you for it.  If they cant then yes I would try because now they have nothing to lose.  Even if they still can I would since you owe it anyways.  A paid debt is better then one that is not.  But score wise it will help if it's gone.

4 Contributions
1 Person Helped

Thanks for the nice words and reply! I am very excited that i'm on the right track to fixing my credit.  I just pulled a transunion credit report, i haven't done this in a year or two.  It says this about the verizon account:



Estimated month and year that this item will be removed: 


I live in VA and i looked up SOL and i'm reading that it is 6 years but it seems a bit confusing... i don't know how this applies to me.  Do you think i have anything to worry about since it says it will be removed in 3 months time?  

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.


Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.