A few questions

What is the name of your state? Georgia

If i got issued the credit when I lived in Oklahoma and moved to Georgia which laws would apply if they were differant according to how long like a charge off stays on your credit report?

Also where can I find those kinds of laws?

Lastly if you owe a debt,for 1000 dollars, you haven't paid it in over 7 years, not even contacted the company, they sold the debt 5 years ago can that company keep reporting the the debt, isn't that like changing the date or something?

Thanks for your help.

[bigun]

The Fair Credit Reporting Act is the law.

[url]http://www.ftc.gov/os/statutes/fcra.htm[/url]

Deroga like chargeoffs reamin for 7 years regardless of state. Here are the FTC opinion letters. Look at the ones under 605:

[url]http://www.ftc.gov/os/statutes/fcra/[/url]

Your last question is called reaging and is illegal. Get your credit reports and find the orginal chargeoff date. If 7 years have passed, the CRA's need to remove the tradeline.

Thank you very much, you were an extremly great help.