Link S asked:


About 13 years ago I incurred a debt with a university. I need to take care of it so they’ll release my transcriptions. The only information they have about the debt is the amount and the agency who originally held the debt. This agency is now defunct. What do I do if it’s no longer on my credit report?

madamefloof asked:


I have a $7,000 debt sitting on my credit report since 2003. It says it will come off in 2010. What does that mean? It hasn’t been updated by the collector since 2003 and I haven’t received notices about paying it since then. What happens after 2010 if I don’t pay it? Does it come off my record for good so I don’t ever have to pay it? Please help!

stef_leppard asked:


This past summer, a collection agency contacted me in regards to an account with a department store that was paid off in 1993. They told me I still owe on it. I no longer live in the state where the debt was initiated, so which state’s statute of limitations do I use, the state where the debt originated or where I currently live? Telling the agent who calls me that I don’t owe it doesn’t work. They tell me that their client still wants their money. Could this be a scam?