Did not bother to pay bills in Montclair?

I didn’t agree to repay 2 small bills around 8 years back. These are actually credit card bills issued by a bank in Montclair, CA. The bills were assigned to collection agencies. I have not paid a penny on the bills. Seven years have already passed. The 2 bills are still there on my credit report. I want to know the reason. Please tell me what should I do?

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Question...did they ever sue you?

You would dispute with the bureaus that the tradeline is obsolete and time barred and should be deleted.

 

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What shall I write in the dispute letter? 


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Yes, I agree. Dispute it with the credit bureaus as it ought not stay on your credit report for so many years. Do the needful.


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If it has been over 7.5 years since the date of your last payment, dispute it with the credit bureaus as obsolete.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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