Q: Hi Lynnette, I have been working at repairing my credit for the last 4 years (intensely).


I have paid off all debtors and have managed to obtain an unsecured credit card with $1000 limit that has been upped to $5000 due to my handling of the card.


This month I pulled my credit file (both Equifax and Transunion) only to find a new account that was open in 2001 has been added since 2013 to the tune of $400.


Read: The Difference Between Equifax, TranUnion and Equifax Credit Reports


I don’t have any money to pay that right now…What can I do? Can they do that after so long? [continue reading…]