Mending your checks credit online is a job you may carry out without any assistance, plus sometimes the initiatives you may take are freeannualcreditreport not so difficult, lots and lots of customers find credit status restoration a difficult and also daunting procedure. Request the credit-line recording company for advice and also guidance and ensure you just happen to be satisfied with the service you received.

There are two timelines for debt. The timeline that should be of most interest to you is the 7 year maximum limit that any collection can remain on your credit report. This clock cannot be reset under any circumstances.
The other is called the Statute of Limitations, and in Oregon the Statute of Limitations for you is 6 years across the board. The Statute of Limitation is the timeline that allows a debt collector to take legal action against you in an attempt to collect a debt. After the time has expired, they can no longer take action legally, but only annoy you. The Statute of Limitations can only be reset if your brother has made any payments on this account, which would reset the 6 year clock to the last time he made a payment.
Now with that said… There are many other factors that I do not know about your brother. However, if he has not reset either of these times himself (ie: by making a payment), I would strongly recommend you get a fresh copy of your credit report from the link below.
With this report you need to do two things. (A) Make sure this collection is not being reported, and if it is, dispute the account with the respective credit bureau as obsolete. (B) Write and send a “Cease and Desist” letter forbidding them from contacting you in regards to this debt anymore. Send this Certified Mail, Return Receipt Requested.
I highly recommend that you and your brother visit the forums at http://www.creditboards.com, as there is a wealth of information there from people that are going through the same process.
9 months ago
Source(s):
http://www.freeannualcreditreport.com (Free copy of credit report)
http://www.creditboards.com (Highly recommended forums)
http://www.usps.com (Read about CMRRR (Ceritifed Mail w/ Receipt)
You will also learn about the “Cease and Desist” letter at the CreditBoards URL.

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