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Debts and Credit
How do I correct something wrong on my credit report?

How do I correct something wrong on my credit report?

Q: Can a 10 year old debt still be collected?

Yes, a 10-year-old debt can still be collected, but it may depend on the statute of limitations in your state. In many states, debts can be collected for a limited time, often between 3 to 10 years. After this period, the debt may be considered uncollectible, but creditors may still attempt to collect it.

Q: How long before a debt becomes uncollectible?

The time before a debt becomes uncollectible varies by state, typically ranging from 3 to 10 years. This period is known as the statute of limitations. Once this time frame expires, creditors can no longer sue you for the debt, but they may still attempt to collect it. Always check your state’s specific laws.

Full question:

I had an outstanding bill owed to the gas company that went to collections and was paid by me to the collection company over 2 years ago. When I went to get the gas bill put in my name at my new residence I was told that the bill was still out standing. I have proof of payment in the form of a reciept from the collection agency. What can be done to correct it with them and on my credit report? Also, when my girlfriend and I broke up I moved out but trying to be civil didnt turn the phone(in my name) off. It is now a year later and she has never paid the bill. I dont want to sue her. Is there any way she can assume responsibility for the failure of payment?

Category: Debts and Credit
Date: 04/07/2025
State: Pennsylvania

Answer:

You will need your girlfriend's cooperation in transferring the bill and past amount due to her name. Please see the information and forms at the following links:

http://www.uslegalforms.com/us/US-0309LR.htm

http://www.uslegalforms.com/us/US-DCPA-22.htm

http://www.equifax.com/online-credit-dispute/

http://definitions.uslegal.com/f/fair-debt-collection-practices-act/

http://definitions.uslegal.com/c/consumer-credit/

This content is for informational purposes only and is not legal advice. Legal statutes mentioned reflect the law at the time the content was written and may no longer be current. Always verify the latest version of the law before relying on it.

FAQs

Can I still pay a bill that was sent to collections?

Yes, you can still pay a bill that has been sent to collections. Paying the debt can help resolve the issue and may improve your credit score. Make sure to obtain a receipt or proof of payment, as this documentation is important for your records and any future disputes.