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Brickeyk

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Legally how long does a creditor have to report to an unpaid item to collections
I just had a creditor that put an unpaid cell phone bill in collections from six years ago. Do they have a certain time limit such as the 30,60 90,120 days and then it goes to collections, not years?

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No rule when they send to collections (except it must be at least 90 days past due).  When unpaid, the account falls off 7 years from the date it first went delinquent.  So the original creditor probably gave up and sold it to a collector.  The collector still has to use the first date of delinquency as the start date for the 7 year clock, so in another year it should be off your report completely.  

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