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Val

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  1. GAP refused because the officer put in the report that I left my keys in the car which was not what happen at and I showed him my keys. The officer was lazy the store clerk told the cop that the manager would be back in 30 min so he could watch the video and the officer said “I’m not waiting around here that long.” He was scared because it was a bad area. So basically he made up a report and the GAP insurance refused coverage I reached out the police department several times to correct the report but they never did. We literally went back and forth for 7 months.
  2. Yes that is what I was talking about maybe I got misinformed online but I saw that it said 4 years for Ga for all debt except mortgages which is 6 years. So SOL is the time “time period they have to come after you vie legal consequences” but they can report for up to 7 years…correct.
  3. Ok so about 3.5 years ago my truck was stolen and I did a police report and the insurance company paid most of the remaining loan GAP did not pick up the 7500 balance during that time I was able to get another truck via lease (my credit was excellent and I was still paying the other truck note while waiting for GAP to respond) it is almost time for me to turn my truck in in Feb and the balance from the stolen truck is still on my credit reporting as "charge off as bad debt profit and loss write off." In Ga auto debt can only report for 4 years (from my understanding) so Nov 2022 it should b
  4. HELLO I AM STARTING THE PROCESS OF CLEANING UP MY CREDIT. I PULLED MY REPORT AND I HAVE A FEW MEDICAL BILLS SOME WHICH ARE MY MINOR CHILDREN'S BILLS NOT SURE WHAT TO DO ABOUT THOSE. THERE IS ONE SHOWING UP WITHOUT A OC OR CA IT JUST HAS A ACCT NUMBER, A BALANCE, AND DATE OPENED (WHICH IS 4/1/2020 AND IS IMPOSSIBLE BECAUSE I NEVER WENT TO A DOCTOR LAST YEAR . CAN SOMEONE PLEASE TELL ME HOW TO PROCEED WITH THESE ITEMS? THANK YOU IN ADVANCE! VAL
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