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Question By
leesak1

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Can collectors keep putting things on your report after 10 years.They keep reposting after it's off.

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Collections

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Technically, no - unless it is reporting a balance. Collections should fall off in seven years from the date it was last paid off depending on the state you live in. Now, this is different from statue of limitations (which is longer in most cases) from you being sued against a debt. If the collections was paid off and they are repositing this the debt collection company is in violation of the fair credit reporting act. Rouge collection agencies tend to do this as a tactic so that you will call and give them more money. You should send them a "Drop Dead" letter via certified mail that they are in violation of the fair credit reporting act since the debt was paid. Under no circumstances, should you send them $ since this tends to reset the clock.  Also, if you EVER need to pay a collection company, you must get terms in writing that say payment is accepted as payment in full and ALWAYS pay via money order - not a personal check. Some of these rouge companies will debit your checking account far beyond what you may or may not owe.

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Reply by
M11011

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What if the debt was not paid and it was charged off? It sat on my credit report for 7+ years and was finally removed a couple years ago. Now it's been 10 years since it was first reported and they are calling me again to collect. Are they able to start reporting it again after all this time? 

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