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do bad credit reports automatically come off after 7 years?
I still get collection calls on an account that is probably 15 years old. You pull your credit file and there is probably 10 collection agencies in relation to 1 account. How long can they continue to pass these accounts around.
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All this advise is pretty much wrong. The credit items that are negative on your account, the tradelines, have to come off your credit report after 7 years from the start of the Original debt its for, or the LAST time you paid them. That last date is the starting clock. They can sell to new creditors as many times as they want, as long as you don't pay them anything, then they CAN NOT start over the clock. The 7 years time is still ticking, and after its must be droppped from your credit report. This doesnt always happen automatically, so you might have to write to request it. Its the law. Of course old debts keep getting sold and resold for pennies, and they still try to collect, but it doesnt affect your credit, and they have no legal power to collect. The debt is no longer valid. Letting them know you you know that usually stops them from bothering you.

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This is almost correct. Although items must be removed from your credit report after 7 years of inactivity, you can be sued for them until the statute of limitations expires. The statute of limitations varies from state to state; for instance, in Illinois, the statute of limitations is 10 years. This means that while debts should be removed from your credit report after 7 years of inactivity, you can be sued for the debt for up to 10 years.

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you are confusing your terms...

a credit report shows all of your current credit accounts and your payment history on each..

each entry is called a tradeline, and negative tradelines, can stay on your report for 7 years, like with a past due bill you paid late from 2003.

But, something like Federal Judgements can stay on indefinately, especially in cases of criminal activity that caused the problem, or in the cases of Bankruptcy which can stay on as long as 10 years.

one thing to keep in mind. a creditor normally has 7 years to collect on a debt, before it ages off your report.. In most cases the original creditor makes a few attempts over the next 6-12 months to contact you regarding your debt. If they don't get anything during that time, then the debt is sold to a 'collection agency' who;s sole mission in life is to take money from consumers that do not know the law..

so, then a few months later you start getting calls from someone claiming to be from the original creditor, and as soon as they have verified you are the chump they are looking for, then they open a new tradeline and the collection clock starts all over again, and even though that bill you should have paid in 2003, would have dropped off in 2010, now you have a new line for the same debt, but this one started in 2005, so now you have 2 times the damage to your report, and another 2 years to put up with the calls. Every time that debt is sold, a new company will try to wrangle some cash out of you, and the moment, the very second they confirm you are who they are looking for, BINGO.. a new tradeline appears on your report, and the 7 year collection clock starts all over again.


even if you paid the line in full now, it would go to the collector that bought the debt, not the original creditor, and that COLLECTIONS line will still be there..

stop talking to people about your debts over the phone,

make every payment on time, every time.

do all of your business in writing,

the only reason you should ever be calling any creditor is to get a contact persons name, mailing addrss and direct dial telephone number.

It is always easier to avoid new tradelines being created than it is to get a collection agents tradeline removed once it hits your file..

give no info out over the phone unless you made the call and have an established relationship with the person you are calling. If they call you, or you arent sure if the person you are talking with can help you resolve the problem at hand, then HANG UP THE PHONE!

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what great straight info! My hat's off to you.

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7 year debt still on credit report

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I have a medical account that has been in collections for 7 years.  The credit bureau says it should be wiped off after 7 yrs. It is still showing up on my credit report. What do I need to do to get it wiped off?

The amount is 57 dollars, but it still just shows up as a negative report.  It is keeping my credit score at Fair vs Good... (have 695).  It is the only neg. report I have. I want it OFF!!!

Please tell me what I need to do.. (in simple English please.. I am not financially "savvy" shall we say.)

Thank you in advance for your help.

Mary W

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how to get an item off after 7 yrs.

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so i contact the credit breau to get the items removed after 7 yrs. or who do i contact instead

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There are a few things you should do.

If someone calls you saying you owe them money you should.

1) Demand a debt validation letter (They are REQUIRED to give this to you if you request it). If they refuse tell them that the Fair Debt Collection Act requires them to give you this letter. If they threaten to ruin your credit tell them that if they do you will sue them and it will cost them alot more than the money they claim you owe them. If they still refuse hang up on them and report them to your Attorney General.

2) If you work out a settlement DO NOT GIVE THEM ELECTRONIC ACCESS TO YOUR CHECKING ACCOUNT. They will clean you out. Get them to send you a a letter stating the terms of the agreement and their assurance that X amount is settlement in full. When you get the letter send them the funds via Western Union or even a cashiers check and overnight it to the address of the company return receipt requested.

3) Keep this letter and a copy of the payment in a file for the rest of your life. They will simply sell the debt to another scum burger and the process will start all over again unless you have proof that the debt was settled in full and that you paid it.

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The best advice would as follow:

1. Go over the "Fair Debt Collection Practices Act". Believe it or not you do have rights and recourse of action when those rights are violated.

2. Check with your state to see how long a collectors have on collecting on the debt. An Example: Texas give a Credit Card Company 4 years to go to court in attempt to collect on the amount owed. The countdown starts from the last activity you had on the card. After that if they do take you to court it will just get thrown out.

Understand this depends on the type of debt. Also, just so that I am not being missunderstood here. I am not advocating that a person not pay his/her debts. I am just providing the information that I have learn.

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I never respond or acknowledge these call. I don't even answer the phone, so how can they continue calling for months and years? Do you know who I would need to go through to get some of this off my credit file if possible? Thanks. Something is terribly wrong with our collection system. I still get a letter addressed to my father from an agency regarding an account that is probably 25 years old. My father has been dead for about 15 years.

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You can contact the Federal Trade Commision, online phone#.  They give free advise on these kind of things.

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My understanding, (which is only based off of independent research), is that they have access to this info well after the 7 year deletion period. I forget the name they associate with this type of debt, I just read about these types of companies in an article via The Business Journal. But they're attempt is to scare you into making any sort of payment on these accounts because what it does is actually re-activate that debt because once you make a payment the 7 year time frame restarts. The idea is that if they can buy your bad debt even for a penny and coax you into paying $50, they've made their money regardless. The article was talking about how these types of companies are in the spotlight because of how unethical their tactics are. Apparently most of the time they don't follow the Fair Debt Collection Act too well and they aren't policed as much. If I can find the article, I'll send it your way.

As far as knowing an actual time frame they can access your debt and buy it... I don't know the answer to that exactly. Hope that helps a little.

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It's  called "Zombie Debt."

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Yes students loans fall off after 7 years. But a recent tax refund diversion by the treasury deparment has made repayment to one of my loans and thus re-reported after being off the credit for 3 years. As I understand this is illegal and repayment has no affect of the inital post 180 day delinquency for when the chargoff began. I am trying to find more about this "FCRA Section 605

(c) Running of the reporting period" statute which makes this practice illegal.

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if the student loans in question are federal loans, then the loan will stay on your credit as long as you are alive.  the federal government has much broader powers when collection on a federal student loan.

private loans are another matter entirely

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negative reports

I have a few debts that are over 7 years showing up on my credit report, although the last "reporting date" is more recent.   Also the statute of limitations in my state is 4 years.   How do I go about getting these negative reports that are over 7 years off my credit report?

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