Collection Agencies - 16 year old debt - Canada

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RE: 16 year old debt

Postby Tptplayer » Thu Jan 21, 2010 10:07:30 AM

This feels like dumb question, but what is the best way to get your credit report without having to pay for it, assuming there is one?!
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RE: 16 year old debt

Postby montyloree » Thu Jan 21, 2010 09:58:44 AM

No.. this credit should long be gone off your credit report... after 6 years.
Best thing is to check your credit report and see just for good measure

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RE: 16 year old debt

Postby Tptplayer » Thu Jan 21, 2010 09:56:59 AM

Monty,

Thanks for the speedy reply.

My other question/concern is that my credit will now be negatively affected. I My credit is good at the present, and I don't want these nancies to be able to mess it up.
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RE: 16 year old debt

Postby montyloree » Thu Jan 21, 2010 09:50:25 AM

You did the right thing.. sometimes collection agencies will buy old debts for really cheap and then try to collect them. They won't be able to sue as the debt is way past the statute of limitation.

Ask for proof that they are licensed in your province... both the collection agency and the collection agent. Contact consumer protection and complain. etc etc
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16 year old debt

Postby Tptplayer » Thu Jan 21, 2010 09:39:07 AM

These gals keep calling me about a canadian tire store card from 1994. What's the best way to get them off my case? Also, is there anything I can say/do that would restart the 6 year SOL?

I asked for their address today so I could send a cease and desist letter, and got hung up on.
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