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oldsoapy2 · Dec 6, 2005, 06:07 PM

Does anyone know if there a moratorium on a past due credit card where it is writing off like in so many years? Are is it never written off? Thanks

RickJ · Dec 7, 2005, 03:23 AM

The "rule of thumb" is 7-10 years from the date of the last activity.

Are you asking this related to when it can get off your credit report, or related to how long the original creditor - or their agent(s) - can pursue you for it?

oldsoapy2 · Dec 7, 2005, 05:59 PM

Thanks Rick.. 8 years ago our son X wife charged up his credit card in Kauai Hi
He uses another a credit card. How can he find out his credit status? He lives
In Kauai.

s_cianci · Dec 7, 2005, 07:46 PM

It depends on the particular bank that issued the card. Usually there is no moratorium on credit cards. If it goes unpaid then it's refleced on your record as a bad debt.

RickJ · Dec 8, 2005, 03:12 AM

Here are the sites of the 3 credit reporting agencies. I suggest getting a copy of the report from each:

Equifax
Experian
Trans Union