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Reaging of collection accounts

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Subject: Reaging of collection accounts
Posted on Fri May 28, 2010 6:02 am  

Does anyone know what reaging means? I understand that aging is in effect based on date of last activity, is that correct?

What is date of last activity, date of final payment?What about date last reported, and date account closed? Which one counts for your FICO score?

My FICO dropped 40 points, based on a five year old collection that was paid. When the creditor started reporting all of a sudden after five years with a zero balance.

Is this a re aging trick?


Joined: 08 Feb 2010
Aaron's page
Posts: 2632

48565 Magic Points

Subject: Reaging of collection accounts
Posted on Fri May 28, 2010 9:47 am  

Hi Baron,

Reaging means settling the account due date back to current from it being reported as delinquent. Reaging of a debt is illegal if done without the consent of the debtor. This is against the Fair Credit Reporting Act. You can dispute this if you think that the date of last activity on your account has been changed without your consent. You can use the proof of your last payment to dispute this.

However, can you tell me whether you currently paid on this collection account? If it is so, then the date of last activity will definitely be changed, and this can lower your score. Paying off old collection accounts does lower your score, as such account becomes active after payment, and the late payment is considered to be made in the present.


Keep in touch Smile

Joined: 01 Nov 2008
cinnamngrl's page
Posts: 1320

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Posted on Fri May 28, 2010 10:43 am  

What state do you live in?
how old is this debt?
who is the original creditor?
Is the negative tradeline a Collection Agency or the Original Creditor?

the dofd is when the account became delinquent which is 30 days after the first missed payment
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Subject: yvzHWAHqwisprdMsP
Posted on Tue Aug 05, 2014 12:05 am  

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