Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Report
Profile Image

Question By
zacksmom731

1 Contribution
0 People Helped
Length something can stay on your credit report
If a collection agency puts something on my credit report that was old, does the seven years start all over on my report? It seems like things are popping up back on my report, is this legal?

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
740 Contributions
796 People Helped
Most Helpful Response

Helpful to 2 out of 2 people

unfortunately YES when it changes collection agencies the 7 years starts all over because someone new is holding your bad debt

Top Contributor

Reply by
Addison170

3051 Contributions
2786 People Helped
Helpful to 4 out of 4 people

Sorry, jrhenry11, but you are incorrect.  That is called re-aging an account and it is illegal. If unpaid, it remains 7 years from date the account went delinquent, doesn't matter if they sell it to a debt buyer or not.  If paid, it remains 7 years from date of payment.  If these are older, then dispute the accounts with all three credit bureaus at www.annualcreditreport.com.  I realize that when a debt buyer purchases the debt it shows the date opened as the date they purchased it, but that does not matter.  The 7 year clock still starts on the date it went delinquent.  

1 Contribution
0 People Helped

So my next question is, how can I find out the date it originally went delinquent? The daets showing are new dates and I know that cant be right! 

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.