Default dates, SOL, credit reporting

[sbrown]

What is the name of your state?MA

When does the 7 year SOL for credit reporting begin? When the default date of the original creditor began or when the account is sent to collectioni or when it is reported to the credit bureau?

I have an old utility bill that I thought would be off my report last month but it has been handed to another agency and is now on my report twice with two different dates neither of which is the date that I defaulted on paying the bill. It was from 1998 and the first reported or reported since dates are 2002 how can I make sure it clears off my report?

[Ladynred]

Negatives are reported for 7 years PLUS 180 days starting from the date of first deliquency with the ORIGINAL creditor. The date of first delinquency is usually 30 days after your last payment and that date is REQUIRED by law (FCRA) to be furnished to the credit bureaus. Even if you can't see it on your reports, the bureaus have that date.

Collections cannot outlive the obsolescence of the ORIGINAL debt, because of that DOFD date. You may have 2 entries one for the Utility and 1 for the collection agency, that's legal, but the dates must be the same, otherwise its illegal re-aging.