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8 ways to remove old debt from your credit report

According to the Federal Reserve Bank of New York, 2.5 percent of outstanding debt is in some degree of delinquency as of September 2021. However, having an accurate and up-to-date credit history without old collections or delinquent accounts is important when you’re applying for or other new credit. If you’ve noticed old debts on your credit report, it’s best to act as soon as possible to remove these items. Here are a few steps you should take.

1 Verify the age

“If it’s not falling off, then the credit reporting companies have not received the right date,” says Maxine Sweet, former vice president of public education for credit bureau Experian. With a court action (like judgment or bankruptcy), determining the date is easy: You count from the day it was filed. Delinquency is more difficult. “The regulatory language on it is very complicated,” Sweet says. However, the date that you first became delinquent and after which never caught up is the date that should count, she says. Her example: You miss a payment in January. Then you make it up and also pay in February. Then you miss March and your bill eventually goes into default. Your delinquency date would be March. Look back through your own records to verify the payment history for old debts. If your credit report has an error, you can use these documents to dispute the error with the credit agency. Why this is important: The original date of the debt is what determines when it falls off your credit report. Who this affects most: This affects anyone with debt, but especially those with delinquencies or missed payments.

2 Confirm the age of sold-off debt

One point that confuses even the experts: No matter how many times a debt is sold (and resold), the date that counts for the clock is the date of delinquency with the original creditor. If a collection agency bought your 10-year-old retail card debt and has started putting it on your credit report with a different date, that’s a no-no. Why this is important: Again, it’s the original date of when the debt was incurred that determines when it falls off your credit report. You want that to be as accurate as possible. Who this affects most: Those with older debts are more likely to have their debts sold to a collection agency.

3 Get all three of your credit reports

Your three credit reports from consumer reporting agencies Equifax, Experian and TransUnion are not identical. The old debt in question might be listed in some credit reports but not others. To find out, get a copy of all three of your reports. Federal law entitles you to request a free copy of each report once every 12 months. You can download them for free at AnnualCreditReport.com. Once you find out which bureaus are listing the debt, contact them. Your credit report will include contact information and dispute instructions. Equifax, Experian and TransUnion will give consumers free weekly credit reports until April 20, 2022. Why this is important: If you’re only looking at the copy of your credit report from one credit bureau, you may be missing inaccurate information that is on another report. Who this affects most: Mistakes with credit reports can happen to anyone with old debt on any of your credit reports.

4 Send letters to the credit bureaus

If the debt really is too old to be reported, it’s time to write to the credit bureau(s) to request its removal. When you dispute an old debt, the bureau will open an investigation and ask the creditor reporting it to verify the debt. If it can’t, the debt has to come off your report. The requires credit bureaus to correct or delete any information that can’t be verified or that is incorrect or incomplete, typically within 30 days. Otherwise, they are in violation and you are within your rights to file a lawsuit, as well as file a complaint with the Consumer Financial Protection Bureau. Make sure to craft a case so strong that the creditor will have to acknowledge that it’s correct or present tangible evidence to the contrary. Include copies of anything that supports your claim, such as copies of court filings that show the correct date for a judgment or bankruptcy or a letter from your original creditor showing when the account became delinquent. If a collection agency is reporting an account as a different (and newer) debt, include any paperwork showing that the two accounts are really the same debt. Send this letter certified with a return receipt requested so that you can prove when it was sent and that it was received. Why this is important: If you can prove that the debt is older than legally allowed to show on your credit report, the bureau can remove it. Who this affects most: People with incredibly old debt have a better case for getting their debt removed.

5 Send a letter to the reporting creditor

You also want to send a similar letter to the creditor who’s currently reporting the debt. To do this, either reframe your credit bureau letter with copies of your documentation to the creditor or simply send a copy of the same letter with copies of any documents included. Avoid making statements that could if the statute of limitations has not expired. As with the credit bureau, send the letter certified with a return receipt requested. The creditor has 30 days to investigate your claims and respond. Why this is important: Depending on who your creditor is, it may be faster to work directly with it to get your old debt off your credit report. Who this affects most: Those with older debts with more established companies will benefit from contacting the original creditors. You may find it easier to work with larger, more established creditors than with smaller collection agencies.

6 Get special attention

If your initial letters don’t do the trick, you may have to kick your approach up a notch, says Sonya Smith-Valentine, former managing attorney at Valentine Legal Group. Take a few minutes to research the company reporting the debt. “Direct your next letter to the president’s attention at the company’s headquarters address,” she says, “because you get a different kind of response from the office of the president than you do from customer service.” Again, send it certified and keep a copy in your files. Why this is important: It can sometimes be challenging to find the right person or the right department when disputing old debt, so you may have to escalate your request. Who this affects most: Those who have not been able to get their old debts removed through other means may try more targeted methods.

7 Contact the regulators

If the collector is “in any way, shape or form a bank,” it has a federal regulator, Smith-Valentine says. “They actually take individual complaints and contact the companies about the complaints they receive.” “I always say that it should not be your first recourse,” she says. Only use this one if “you have contacted the company and received no resolution or response,” she says, as regulators want to see that you’ve tried to solve it yourself first. Again, opt for snail mail, she says. “You want to be able to send in copies of your correspondence and copies of your return receipts, and you can’t do that online.” One shortcut you could try is printing out the agency’s complaint form, filling it out and sending it in clipped to your documents. Why this is important: Financial regulators provide critical oversight and support for consumers trying to set the record straight about their credit reports. Who this affects most: This should be a last resort, but if you have not been able to get old debts removed by contacting the credit bureaus or the company directly, financial regulators may be able to help.

8 Talk to an attorney

Consulting an attorney doesn’t always mean pursuing a lawsuit. Sometimes all you need is a letter on legal stationery to make a creditor review the records. If, despite your best efforts, the creditor or collector is keeping old debt on your report, an attorney can also advise you as to whether a lawsuit is a good option. If you do talk to an attorney, choose one who specializes in consumer rights, Smith-Valentine says. “When you’re dealing with the Fair Credit Reporting Act, it is very convoluted and you need someone who’s done it, who understands it and who knows where the holes are.” One source for help is the , an organization of lawyers who specialize in credit and debt law. Why this is important: Even if you don’t file a lawsuit, having a letter sent by a lawyer can help get your case seen by the correct people. Who this affects most: Anyone who has tried the other options but is still having trouble getting old debt off their credit report should contact an attorney for assistance.

How do you get something removed from your credit report after 7 years

In theory, from your credit report once they reach their legal expiration (seven or 10 years). If you see debts on your credit report that are older than that, you’ll want to contact both the creditor and the credit bureau by mail requesting a return receipt. In your letter, include all documentation about the debt, including any inaccuracies.

How long can a debt collector pursue an old debt

Each state has a statute of limitations about . For most states, this ranges between four and six years. These statutes govern the amount of time that a debt collector can sue you, but there is no limit to how long a collector has to try and collect on a debt. If you are being contacted about a debt that you believe is not yours or is outside the statute of limitations, do not claim the debt; instead, ask the company to validate that the debt is yours.

Can a collection agency report an old debt as new

Collection agencies cannot report old debt as new. If a debt is sold or put into collections, that is legally considered a continuation of the original date. It may show up multiple times on your credit report with different open dates, but they must all retain the same delinquency date. They should also all be discharged on the same date — seven years after the original open date.

The bottom line

While old debts should be discharged from your credit report after they’ve reached their legal expiration, this doesn’t always happen automatically. It’s important to be vigilant and aware of the information that is on your credit report. If it has any errors or misinformation, you’ll want to fix that as soon as possible. Removing even a single old collection account or old debt on your credit report can by 50 points or more — so take action as soon as you notice an error.

Learn more

SHARE: Dan Miller is a former contributing writer for Bankrate. Dan covered loans, home equity and debt management in his work. Aylea Wilkins is an editor specializing in personal and home equity loans. She has previously worked for Bankrate editing content about auto, home and life insurance. She has been editing professionally for nearly a decade in a variety of fields with a primary focus on helping people make financial and purchasing decisions with confidence by providing clear and unbiased information.

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