skisgirl276

Hi, been a lurker for a bit. Having lots of success with the methods here on CB with different types of TL's....it's kinda an addiction at this point!! LOL. I have a question that I haven't come across an answer to despite reading and reading and reading (incl all the newbie stuff, whychat stuff and psychdoc's credit repair stuff) so please forgive me if it seems like a dumb question.... When TL's show late payments, do those late payments fall off after 7 years with the TL remaining on the report? Is there a difference regarding this whether it's an open or closed account? Here are my examples: TL for CAR LOAN CO; status PAID IN FULL; account CLOSED - reporting late in July '06, Aug '06, Sept '06 and Jan '08 >>>>>>>Will the lates fall off after 7yrs while leaving the TL on the report or will the entire TL self-delete at the 7yrs after last 30 day late mark? TL for CREDIT CARD CO; status CURRENT; account OPEN - reporting late in Nov '05, Dec '05, Jan '06>>>>>Obviously the whole TL won't delete if the account is still open indefinitely but will the lates fall off 7yrs after the last time it was paid late? Any info anyone can provide would be most welcome. I have also noticed that in some cases, certain TL's will only show around 48 months of history but not sure if that is just on "our" CR's or if it's the same on the CR's that are seen by lenders. Thanks in advance!!

Hi all, I've been lurking for awhile now, reading and reading and reading, LOL. I've had much success so far with TL deletes but have come up on a new issue and need some input as to how I should proceed. I'm working on both my and the DH's reports. My DH is currently deployed. I recently received a dunning letter from Verizon Wireless and as per info provided on CB, sent back a request for verification due to thinking that this account was closed and paid in full as of 2yrs ago. Verizon replied with a "bill" providing no information except an amount due. On the same day, I received a letter from Vantage asking for the same $. The debt is not showing on DH's credit reports as of 8/05/20ll.... So my question is - Do I send proof of deployment to both Verizon and Vantage while reminding them of the SSCRA regulations regarding debt collection while deployed? Or, pursue my request for an itemized bill so I'll know what is owed and why? Or, some combination of both which would protect DH from having the collection listed on his CR's while still finding a way to resolve the issue before he gets home and is no longer protected by the SSCRA? My concern with the 3rd option is that once the OC & CA know he is deployed, they may refuse further communication or requests for information.... Thanks in advance for your input!