guiness56 wrote:Once the 7 year reporting period is over, the item cannot be put back on your credit report. In order for that to happen it would have to be re-aged (changing the DoFD) and that is not allowed. No body can change that date.
IMHO, I don't think they should even be able to do inquiries at all once the reporting period is over. Especially a hard pull.
I suppose that if the debt was within state SOL they would have technical PP but most states don't have that long an SOL. If it;s outside of state SOL its just a crude form of intimidation. File a complaint with the CFPB.
It sounds pretty awful, but I do think its legal, based on diggin up a few articles based on that. Here is a bullet point from an FCRA newsletter about a case like that:
• Statute of Limitations. The running of the statute of limitations does not extinguish a
debt; it merely renders the debt judicially unenforceable. Accordingly, the mere running
of the statute of limitations does not mean that the debt itself has been extinguished or
that a debt collector is precluded from using means, other than judicial means, to collect
the debt, including obtaining a consumer report under the FCRA.
http://www.strasburger.com/calendar/news/fcra/FCRA
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