Under the FCRA, most negative items must be removed from your credit report seven years after the date of first delinquency. When creditors, collectors, or bureaus keep old debt on your report past that deadline, they violate federal law.
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Under 15 U.S.C. § 1681c, most adverse items — late payments, charge-offs, collections, repossessions — must be removed from your credit report no later than seven years after the date of first delinquency. This is a hard deadline that creditors and bureaus are required to honor.
The most common violation is re-aging: a creditor or collector resets the delinquency date to a more recent date, which restarts the seven-year clock and keeps the account on your report far longer than the law allows. This is both an inaccuracy and an FCRA violation.
Even without re-aging, bureaus sometimes simply fail to remove old items. When you dispute an item that's past its reporting period and the bureau refuses to remove it, that failure to investigate and correct is itself a separate violation that supports a federal claim.
A late payment, charge-off, or collection is still on your report more than seven years after the date of first delinquency.
The creditor or collector reset the delinquency date to make old debt look newer — restarting the 7-year clock illegally.
A credit card that went delinquent years ago is still listed on your report past the legal reporting period.
A collection account that should have dropped off is still appearing and affecting your score.
Chapter 7 bankruptcies must be removed after 10 years. If yours is older, it should be gone.
You disputed the outdated item with date documentation and the bureau refused to remove it.
From your first submission to resolution — here is what to expect.
Tell us what happened. We review your discharge paperwork and credit reports at no cost.
We send a strategically crafted dispute letter to preserve your legal rights and set up litigation if needed.
If the bureau or furnisher fails to correct the error, we file your FCRA claim in federal court.
FCRA cases are handled on contingency. Attorneys’ fees are typically paid by the defendant.
Tell us what happened. We review every submission within one business day.
Tell us what happened. We respond within one business day.
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