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Spiritualist

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Can an account over 10 years all of sudden go to collections?
I only found out that Direct TV put it on both agencies for services over 10 years ago, that I had already been told by them it would be taken care of in 2007...,with no notice or mail all of a sudden it's on both credit agencies as in collections. Back then they couldn't provide a fix to issues so the Area manager said he'd write off the early termination fees....

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Collections such as this are not allowed to be reported on your credit after seven years. Obviously, we are beyond seven years. Can they do it? Yes, they did. Are they allowed to do it? No. What you will need to do is contact the credit bureaus showing this account and dispute it on the grounds it is too old of an account to be on your reports. Transunion, Equifax and Experian all have websites with instructions on how to dispute information on your reports. You may want to do some reading on the FDCPA (fair debt collection practices act) and also on "cease and desist letters".

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