Al Letter Notice

The delinquency date is the date when you first failed to pay the bill. So long as you never brought the account back into good standing, the account falls off your credit report seven years from that date.

The time limit is sometimes called the limitation period. For most debts, the time limit is 6 years since you last wrote to them or made a payment. The time limit is longer for mortgage debts.

A turn-off notice, cut-off notice, or shut-off notice is a warning letter sent out by the provider of a service for a residence or other building, such as utility, phone service, or cable television, that if payment is not sent by the date indicated in the notice, the service will be interrupted.

Your electricity or gas supply can be disconnected when: you don't contact the retailer to open an account or to pay for energy you've used.you don't keep to your payment plan, you miss a payment or your payment is late. your payment plan is cancelled.

Although most utility companies can turn services on or off in as little as 48 hours, you should plan to schedule your utilities service termination at least two weeks in advance of your move.

Even though debts still exist after seven years, having them fall off your credit report can be beneficial to your credit score.Note that only negative information disappears from your credit report after seven years. Open positive accounts will stay on your credit report indefinitely.

If you haven't received a gas or electricity bill for over a year, you might not have to pay for all the energy you've used. Under 'back billing' rules, your supplier cannot send you a bill for energy you used more than 12 months ago.

Contact the Utility Company. Call the company before the threats become dire. Utility Discount Programs. Programs That Average Your Bills Throughout the Year. Laws That Prohibit Utility Cut-Off During Extreme Weather. Utility Conservation Assistance Programs. Filing for Bankruptcy.