Collection deletion question

[Anonymous]

Hey everyone.. I want to ask about a medical collection account that I have from 2005. I pulled my transunion credit report from transunion and it says that this collection is scheduled to fall off march 2012.. The thing is, I started paying the collection about a year or two after it was on my credit report. I paid about a good 2 years worth of monthly payments. Life happened and I stopped paying a few years back. Did I "reage" the account after I started paying? Is transunions date accurate? Will this date apply to the other credit reporting agencies as well? Please any input is greatly appreciated.

[mAndrew1980]

I once thought I had "re-aged a debt" too. But it was pointed out to be that 7 to 7.5 years after the DoFD, it will fall off your credit report. Nothing you do can re-age it.

[RobertEG]

Congress answered that question back in the late 90's with the enactment of FCRA 605(c).  It sets the DOFD on the OC account as a single, date-certain for running of the period after which collections and charge-offs must cease to be included in a consumer's credit report.  That date, and that date alone, governs deletion, and cannot be reset based on any actions taken by the consumer or the debt collector, including any payments made.  The expiration of the credit report inclusion period is simply 7 years plus 180 days from the DOFD on the OC account.  Period.

Making payments on a debt under collection can, under some state statute of limitations, act to reset the SOL on obligation for the debt.  But SOL has absolutely nothing to do with expiration of a credit report exclusion period under the FCRA.