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  1. #1
    Join Date
    Feb 2007
    Posts
    3

    Default Reporting Beyond 7 years on credit report

    Florida - I monitor my credit report monthly. What I'm finding are accounts that I had more than 15 years ago. Although I wasn't responsibile with my credit at the time, the last activity on MY part was well over 7 years ago. What's happening is creditors sell my account to other agencies, who then start the 7 year period all over again. Is this legal?

  2. #2
    Join Date
    Mar 2005
    Location
    Florida
    Posts
    435

    Default Re: Reporting Beyond 7 years on credit report

    absolutely not. the 7 1/2 year reporting period is calculated from the date of first delinquency, NOT the date of last activity on the account.

  3. #3
    Join Date
    Jan 2006
    Posts
    38,867

    Default Re: Reporting Beyond 7 years on credit report

    Contact the CRA's involved and inform them they are reporting information beyond the 7 1/2 year limiation and you want it corrected.

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