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Actually, the debt (as long as it isn't a bankruptcy or judgement) should be removed from your report 7 years from the date of delinquency. Many collection agencies will wait months, sometimes a year + to put a negative item on your credit report. This way it will effect you longer, and you will be more prone to pay off the debt in the future.

If this happens, dispute, dispute, dispute!!! Dispute everything on your report, especially the items that have been incorrectly reported.

I recently had a few items removed completely from my report because I disputed the dates, and the creditor couldn't provide ANY form of documentation to support I even had a debt with them.

Also, there are statues of limitations in some states on debt collection. How long is too long before someone can file a judgement, ect. For example, in Texas that limitation is 4 years for debt collection.


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โˆ™ 2013-02-25 01:08:05
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Q: How long will bad debt credit cards stay on your credit report if you haven't made any payments on them and they have been in collections for over six years now?
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