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Im looking for facts not "probably"
no u said probably....
clearly u cannot be specific and I rather another service provider
still waiting for this to be released back to the q
Thank you Roger for your clear answer. So on the credit cards, so long as they dont have any judgements I should be in the clear.
How about the foreclosed home with 2 mortgages from the same years?
and lastly there is one small judgement (maybe couple thousand dollars) against a corporation I owned but was legally dissolved - out of business (and I was never served for by the way). Would they have any rights on my personal name (i never signed a credit app, never gave my social, never asked for terms and was never served)? I suppose my next best step is to obtain a copy of my credit report. Im just a little concerned about redisclosing my new address in Florida, as to open a can of worms. (I believe that may be necessary to obtain a credit report - hope I am wrong).
Is there a way to get my credit report online without disclosing new information or a new mailing address?
Thank you very very much and I think that's the end of my questions.
Yes, if no judgments related to the credit cards were filed within the allowed time, then you should be fine. That's not to say that some scum bag collection agency won't try to sue you, but if it did, all you should have to do is file a motion to dismiss based on the statute of limitations, and the case should be dismissed.
As for the mortgages, they're considered negotiable instruments, and would be governed by the 6 year statute of limitations under the Uniform Commercial Code (http://www.law.cornell.edu/ucc/3/3-118). Again, if 6 years have passed, you should be in the clear.
As for the judgment, as long as it was not against you personally, your personal assets can't be seized or taken to satisfy it.
I'm not sure what an online credit requires in order to obtain one. I would assume that you'd just need your name, SSN and a credit card to pay. But, you'd just have to go to one of their sites and check on what is required. I'm sorry that I don't know about this.
If you need anything else, let me know.
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