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saileau609

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collections not reported
I have a collection that was reported back in 2005 and now I do not see it. How do I find this collection.

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Top Contributor
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if it was reported in '05

Then it has fallen off your report and is no longer collectable. 

Collections stay on your report for 7 years. After that the collection agency can no longer collect the debt and have to write it off as a loss. 

Thank your lucky stars and proceed with rebuilding your credit.

Good luck

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