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6 Responses

1. SPIFIMAN1 Says:
   May 18th, 2009 at 10:46 am 1

   You need to dispute these accounts with all 3 credit bureaus stating the per the Fair Credit Reporting Act these accounts are to old to be listed on your credit report.

2. Crazyjester9 Says:
   May 19th, 2009 at 7:58 pm 2

   You’re right. It’s 7 years from the date of first delinquency.

   Mail in disputes for each account to the credit bureaus stating the accounts are past the reporting period established by the FCRA. That should get them removed.

3. CatDad Says:
   May 19th, 2009 at 9:10 pm 3

   There is only ONE 7-year cycle for the reporting of bad debt….This cannot be re-started regardless of how many debt collectors buy this debt. This 7-year cycle starts on the date of your first missed payment that led to the default on the account. It is illegal for debt collectors to change the “Date of Delinquency” to “re-age” the debt for their advantage. This is a violation of the Fair Credit Reporting Act.

   Mail a letter via certified mail with return receipt to all three credit bureaus (Equifax, TransUnion & Experian). Include a photocopy of your driver’s license and social security card…If you don’t include these, they may write back requesting them, which would slow the process down by several weeks. In your letter, simply state:

   Per the Fair Credit Reporting Act, I am requesting

   - validation that this debt is being reported within the 7-year time frame as allowed under the Fair Credit Reporting Act
   - validation of the original “Date of Delinquency” for this debt

4. trixibel Says:
   May 22nd, 2009 at 9:29 am 4

   here’s what is happening…they are selling your account to another collection agency and the 7 years is starting over…happened to me… they are in fact “re-aging” your account which is suppose to be illegal…but apparently there are loop holes….dispute them with all 3 bureaus…and it is seven years from the last date of ACTIVITY….

5. Azzuan Says:
   May 25th, 2009 at 1:34 pm 5

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6. Jaylin Says:
   May 29th, 2009 at 12:38 am 6

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