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Lyvi

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If an acct was removed from my credit report last year can it appear again under a different name?

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If its a collection account? Then yes, collection accounts can appear/reappear anytime with-in the 7 1/2 year reportable date, collections usually being brought and sold many times during that period. However, the removal/reportable date dose NOT change regardless when the original account was opened/closed or whenever collection agencies brought the debt and reported for the first time, it's 7 1/2 years from the Date Of First Delinquency, usually it's when last time you didn't pay that lead up to such action. If you aren't sure? Call credit bureaus (not collection agency) they will tell you when it's due to be removed. CRA usually remove it in 7 years, the Experian lists the removal date is 6 years and 9 months of late.

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Other important date is the Statute Of Limitation, it's the length of time a creditor can sue you for that debt. It varies from State to State and when it actually starts can be bit tricky, so you might want to do some research in to it. If it's past the SOL, debt collectors can still contact you in attempt to collect, however they have no bites in their attempts, certainly can not mislead, pressure you to pay or threatening you with legal actions. The SOL could be postponed or restart "if" you enters a payment arrangement in writing with the debt collectors, so proceed with caution, again, it varies from State to State.

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