When does an item actually disappear?

[Cory]

Bump, for someone to answer my questions.

Thanks,

Cory

[Anonymous]

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Cory wrote:

Well, I don't care. My question was, can the collection agency re-enter the negative trade with the credit bureaus?

Cory

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bluebananas5 wrote:

If it is from 2000, then the SOL should be past and it shouldn't be showing up on your CR anyway.  As for oweing the debt not sure, but if it is off your credit report do you really care?  I had one CA tell me I'm forever obligated to pay the debt. 

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To be honest with you, yes.

I have seen that happen on reports.  If you ask for validation or dispute it or anything...sometimes it can be "re-entered" and it will stay on for longer.

[fused]

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Cory wrote:

Well, I don't care. My question was, can the collection agency re-enter the negative trade with the credit bureaus?

Cory

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bluebananas5 wrote:

If it is from 2000, then the SOL should be past and it shouldn't be showing up on your CR anyway.  As for oweing the debt not sure, but if it is off your credit report do you really care?  I had one CA tell me I'm forever obligated to pay the debt. 

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When was the charge-off in 2000? A CA can't legally re-enter an obselete collection, that is a collection that is 7 years past the DOFD (charge-off date), the FCRA is suppose to prevent this. You might be or might not be out from under your state's SOL but you should always know this. Check the links below.

http://www.fair-debt-collection.com/statue-limitations.html

http://www.bankrate.com/brm/news/cc/20040116b2.asp

[Cory]

Thanks for your reply.

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TheCynicalOne wrote:

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Cory wrote:

Well, I don't care. My question was, can the collection agency re-enter the negative trade with the credit bureaus?

Cory

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bluebananas5 wrote:

If it is from 2000, then the SOL should be past and it shouldn't be showing up on your CR anyway.  As for oweing the debt not sure, but if it is off your credit report do you really care?  I had one CA tell me I'm forever obligated to pay the debt. 

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To be honest with you, yes.

I have seen that happen on reports.  If you ask for validation or dispute it or anything...sometimes it can be "re-entered" and it will stay on for longer.

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[Cory]

Thank you Fused for your reply.