I live in NY and I had a judgement placed on my credit report for a credit card I opened in college and never paid off...10 yrs ago. i didnt go to court, so I defaulted and the judgement was added to my credit report. Well, I get a call from a collection agency regarding the debt, and when I told her that the debt was 10 years old and would drop off my report, she claims that the credit agency "renewed the debt", and that every 10 years they are allowed to do so...Is this true? My creidt score has dropped 33 points since, I believe due to this...and the original debt was app 1000, and is now over 4000...Thanks!

