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Question By
megrock

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If an account in collections account has been removed and has reappeared what does this mean?
If an account in collections account has been removed for years and now has reappeared, what does this mean? Will my credit report start to get knocked down again? How do I fix this mess without paying off the greedy collection agency?

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It would depends on why it was removed in the first place and is it still with-in 7 1/2 years reportable period from Date Of First Delinquency now.

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megrock

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It was never paid off, but it has been over 7 and 1/2 years and was listed as a closed account.

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Reply by
JohnnyRain127

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Paid or not, open or closed, the collection accounts should only be on your report no longer than 7 1/2 years. If it's beyond 7 years from DOFD? Simply call each CRAs and request it to be removed, in accordance with FCRA 605 (a)(4) and (c)(1).

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