tag:blogger.com,1999:blog-2743584805397481900.post8736598214741371180..comments2023-11-13T20:39:23.254-05:00Comments on Fighting Collection Agency Debt: Q&A: Has My Credit Card Debt Been Re-aged? Leehttp://www.blogger.com/profile/06679853829876345700noreply@blogger.comBlogger2125tag:blogger.com,1999:blog-2743584805397481900.post-91579028833759973602014-05-31T15:15:49.972-04:002014-05-31T15:15:49.972-04:00Question on that 7 year period. It looks like it i...Question on that 7 year period. It looks like it is from when the debt became delinquent not when it is charged off. It sounds like you're giving an additional 6 months for that to remain on a credit report which isn't allowed by law.<br />http://www.business.ftc.gov/documents/bus33-consumer-reports-what-information-furnishers-need-know<br />"Mary Myers’ credit card account becomes delinquent in April 2011. Mary makes partial payments for the next five months, but never brings the account current. The creditor places the account for collection in January 2012. Because the account was never brought current during the period partial payments were made, the delinquency that immediately preceded the collection began in April 2011, when Mary first became delinquent. The correct delinquency date is April 2011."Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-2743584805397481900.post-84960775237826682732014-05-30T20:55:21.386-04:002014-05-30T20:55:21.386-04:00Thank you, Lee! This is so helpful. You just clear...Thank you, Lee! This is so helpful. You just cleared it right up for me. :-)<br /><br />BethAnonymousnoreply@blogger.com