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selina1175

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I heard bill from collection agency can be 7-10yrs but I still gettin them still y?
It been way after 10 yrs n still gettin bills from them

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They have to remove the derogatory marks from your credit report after 7-10 years depending on the type of debt, but they can still send you bills in the mail after that. If you respond to the bill, the account is considered "refreshed" and can be put back on your credit report again. They are banking on people not knowing this and contacting them about the bills, so they can put the accounts back on the credit report.

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Write to all three credit bureaus and ask them to delete the account because it is obsolete.  It may take 2-3 attempts, but be persistent.  Don't do it online, send letters through the mail.  Best of luck!

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