No. of Recommendations: 5
How long does a collection take to fall off a report? I have one on my credit report from 3 years ago. It is a disputed bill with AT&T. I never had that phone number (some other area code halfway across the country) and I have asked for proof that I owe the bill, but it keeps getting sold, and I keep getting contacted by a new collection agency every few months, once I ask for proof. I have started ignoring the letters and calls recently.

Collections cannot be reported to your credit report any longer than 7 years + 180 days after the original missed payment. 'Re-aging' of accounts has been outlawed. That doesn't mean that it won't occur, but you have a defense that it's not allowed if they attempt to do so.

That said, collectors can continue to attempt to collect on a debt until it is paid or settled - 10, 20, 30 or more years. They just can't sue you past the statute of limitations date allowed in your state, and they can't report to the credit bureau past the 7 years + 180 day point after the initial missed payment.

I never had that phone number (some other area code halfway across the country) and I have asked for proof that I owe the bill, but it keeps getting sold, and I keep getting contacted by a new collection agency every few months, once I ask for proof.

Continue to ask, in writing, for validation of the debt, requiring information from the original creditor showing that the debt is yours and providing a 30 day time limit for the response, or you will assume that the cannot validate the debt and will drop any collections actions. Keep those letters so you can dispute any new collections accounts that show up on your credit report by showing that you requested validation of the debt, and you got no response within the 30 day time limit.

AJ
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