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SirEdward1st

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Can I dispute it & get it removed?
I had an old credit card debt fall off my credit recently & I just noticed a collection agency is reporting it again with a newer date.

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If the original credit card account was removed due to the seven year reporting period, then the collection account is not allowed to be reported. The date on the collection account that you are looking at may be the "opened date" and that has nothing to do with reporting times as that is the date that the collection opened, not the date of delinquency on the original account. Legally, negative debt can be reported for up to seven and one half years, but for the most part it is removed at the seven year mark or even slightly prior with EARLY EXCLUSION.Keep in mind that federal loans or court ordered debt do not apply here as they can remain forever if left unpaid. If you feel that the debt collector is doing anything illegal under the FDCPA (fair debt collection practice act) you should contact a consumer law attorney that handles FDCPA cases. If the collection account is being reported beyond the reporting time allowed by law, simply disputing the account with the credit bureaus may be enough.

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You should remember though, that just because the collection account falls off your report it doesn't prevent them from hounding you to pay the debt. As long as the debt is outside of the STATUTE OF LIMITATIONS to be sued for in your state, then you could just send them a CEASE AND DESIST LETTER. If you find that they are doing something illegal and are violating the FDCPA, you may want to call an FDCPA attorney, because they can most likely put a stop to it forever and put a few bucks in your pocket in the process.

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