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dupi1767

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How can a junk debt buyer show a date on the account that is eight years old and has had no payments
I have a old debt that has been sold several times and is eight years old. i haven't made a payment in at least 7 years more like 8 years. How can it show up on my credit still and now have a JAN 13, 2012 DATE ON IT? Midland credit has it how can it show that date ?

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That is the date they purchased the debt, and it is legal for them to report it as the "open date", even though it's not technically correct. However, if the date of delinquency is 7 years or older, then it should not be reporting at all and you need to send letters to the collector and all  three bureaus telling them to delete this outdated account.  Be polite but persistent, they have 30 days to respond.  It may take 2 sets of letters, so don't get discouraged.  Best of luck!

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