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vpojvpoj

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credit car debt charge off 2007
a collection agency is trying to collection agency is trying to hit my credit for it

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That's what most of collection agencies do. Once it's older than 7 1/2 years? It can not be included in your report, dosent mean they won't try, you just need to keep your eyes on your credit reports, if it's reported and it's beyond 7 1/2 years from Date Of First Delinquency? Dispute it. However, they can still attempt to collect no matter the age of the "unpaid" debt, as long it's done with-in guidelines of FDCPA and your State's collection/consumer laws.

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