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Is it legal for a reported derogatory item to re-age due to a dispute, Can it in itself be disputed?
An item would have been removed naturally in 2016 , I disputed the item , it is now to remain on until 2019 !

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Normally no, however, it may depend on the item. A dispute in and of itself is not a valid reason to re-age an item being reported...If you made a payment of some sort then yes. 7 years from the time of the 1st reported entry unless its a student loan or federal tax lien. Even a BK falls off around that 7 year mark. You dont have to give detailed details, but more info about the time frame and type of negative being reported may yeild a much better response.

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The only way that I know of that a disputed item can re-age is if a payment is made on the account. I would send a letter to each of credit bureaus's explaing that the account that is in dispute and explaint to them that they have the inccorrect date and ask them to change it back to the original.

The other thing that I would recommend in the case of disputed accounts is that you never pay, unless you want it to re-age. Remeber that debt collectors who harrass you over the phone can be stopped with a certified letter to them asking that all correspondence be done in writing. According to the Fair Debt Collection Act is is illegal if they call you after you send the letter and you have proof of receipt of your letter.  Also, a debt collector who has purchased any debt from a previous entity who gave you credit, has no legitimate right to collect from you as you did not sign a contract with them and they are considered a third party interloper in your right to contract. If your debt gets 'bought' by someone then it's must send the third party interloper 3 letters in 30 day intervals asking for the signed contract and keep your certified receipts. They of course won't be able to provide the contract, because you never gave them permission to collect money from you and in turn if they put a mark on your credit, you may send a copy of your certified reciepts where it proves they received your letter where you are asking for the contract and a copy of the original letter you sent to the debt collector or company that bought your debt. The Credit Score people will have to remove any marks against your credit because the debt isn't valid any longer. Many collection agencies don't even have a license to practice in the state they are calling, that is why they get so mean, because it's game up if you know your rights.

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