I know that it's probably been asked & answered several times but I can never seem to find answers to my questions at the moment that I'm looking for them. Well, here goes...BofA is reporting negative information on my credit reports and can legally continue to report until mid-2009. The account is closed and has been handed over to a collection agency. I just need to know whether the collection agency can continue to report even after the OC's reporting period has ended. Any relevant responses will be appreciated. Thanks in advance.