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Subject: New
Posted on Mon Mar 01, 2010 6:39 pm  

Greetings all!
I have been a cash paying person since 2002. Since then I have not aquired any credit, and let the old stuff fall by the wayside. I have one creditor tha has sold off my old debt past the SOL and this new company placed a negative on my file. When I disputed it they have since sold it to someone else? Who is suppose to remove this sold and reaged debt and how do you prove thats what they did?


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

48565 Magic Points

Subject: old debt sold off to collection
Posted on Tue Mar 02, 2010 5:00 am  

Hi Johnson,

Reaging a debt is considered illegal. It is a violation under Fair Credit Reporting Act (FCRA). A reaged debt is the one in which the date of last activity is changed to that of a more recent one. This is done so that the debt ,may not fall off your credit report. Thus, you can dispute this item with the collection agency. Write a letter to them, stating that they are under violation of FCRA, and that they should remove the item from your report. The letter should be sent through certified mail requesting a return receipt.

If they do not comply to your request, you can send a dispute letter to the 3 credit bureaus, explaining that the debt has been illegally reaged. Also mention that you had tried to dispute this with the collection agency, but they did not comply. If the credit bureaus too fail to remove the item off your report, you can remind them that this is a violation under FCRA.

If all fails, you can contact the State Attorney General for advise and report it to the Federal Trade Commission.

Hope this helps.


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