Q: Hello there, I am seeking legal advice due to an outstanding rent fee from spring 2018 and was never notified until…
I sought a credit history report for a mortgage loan. Due to the statute of limitations in TN, I am not responsible for the outstanding balance (6 years) but need to figure out how this can be conveyed on my credit history so that it does not continue to prevent me from getting approved for loans. Thanks.
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- Tennessee
- (865) 637-3035
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- Answered
A: The SOL runs from last payment or contract date. Credit is not a legal situation but you go to each credit bureau and file a written dispute of the asserted debt. If creditor does not respond then the bureaus are supposed to remove the claim from your report. Court action is rarely an option. You can hire an attorney to dispute the claimed debts.
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