Can Old Debt Be Reported
Can a debt collector put an old debt-- over 7 years old -- back on your credit report.
Reply from DebtCollectionAnswers.com:
No. Collection accounts may only be reported for seven years and six months from the date you first fell behind with the original creditor. Whether paid or not, the collection account be dropped after that time period. However, if they creditor or collector sues you and gets a judgment against you, that judgment may be reported separately with a new reporting period.
If a collector is manipulating the dates on an account so it appears more recent than it is, or if it is reporting the account longer than allowed by law, get a free consultation with a consumer law attorney as soon as possible. The collector may be breaking multiple laws by doing so.