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Question By
popstripping

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Collections reporting after the original creditor is removed from your credit file
Is this allowed?

One caveat is the original 7 year window is still open. The three original defaults in 2010 resulted in three collections, which all three continue to report. However, the original creditors have been removed.

Can I dispute the collections on the grounds that their is no record of the original creditors on my credit file?

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You are free to dispute, but original creditors and collections are two separate issues and are independent from each other.

Reply by
matz151

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i have my own house.

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If the 7 window is still open, the collection agency can still report it.  Once the 7 year time line runs, they all have to stop reporting. Dispute it if the bureau doesnt automatically delete.  Only exception is if you were sued on the same debt and they now have a judgement.  Then your clock starts over. 

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