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krystalla27

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The time frame in which debts are on your record or not ??
ok so im really confused as to how time frame works with old debts. I have herd that if over certain time and there is no contact with you and the debt then the debt will be squashed.But if there is contact then that time frame restarts ?? how does that work and on here credit karma will that be contact with those debts and will my time frames for my debt being eliminated restart now???

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First thing is, the old debts you are asking about are showing up on your report on this site?  What you need to do is go to annualcreditreport.com and get copies of all three credit reports which you will look over very carefully.  File disputes on every bit of WRONG information with the credit bureau it shows up on.  They have to investigate and either verify or delete the disputed item.  Do this credit check once a year to make sure all information is correct.

Getting these credit reports is vital right now since it seems you are asking about accounts showing on this site as being yours, but they may not be.  Errors are common on credit reports.  That is why we are advised to check them annually.

Another important thing to know is the statute of limitations for collections as it is in your state (since it differs). Look that up online and find what applies to you.  This is important since the statute starts with the last payment.  If attempts are made to collect this debt AFTER this time frame, the debt is uncollectable.  Before the statute expires, the debt is fully collectable.  The time clock restarts if payments are resumed on the account.

Hope this helps.

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