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-   -   Oldsoapy2 (https://www.askmehelpdesk.com/showthread.php?t=15805)

  • Dec 6, 2005, 06:07 PM
    oldsoapy2
    Oldsoapy2
    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
  • Dec 7, 2005, 03:23 AM
    RickJ
    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?
  • Dec 7, 2005, 05:59 PM
    oldsoapy2
    oldsoapy2
    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.
  • Dec 7, 2005, 07:46 PM
    s_cianci
    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.
  • Dec 8, 2005, 03:12 AM
    RickJ
    Here are the sites of the 3 credit reporting agencies. I suggest getting a copy of the report from each:

    Equifax
    Experian
    Trans Union

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