Can a collection be removed after 7 years?
Can collections be removed after 7 years?
Okay, so, collections and the 7-year thing? It's kinda confusing, honestly. But like, if a collection is older than seven years from the original delinquency date, you CAN dispute it.
It should come off your credit report then. Key word: should. I disputed one from 2015 just last spring (around April 2023 maybe?) and it actually worked. A small hospital bill, maybe 50$ from St. Luke’s. Gone!
Sometimes they try to, ya know, refresh it. I saw someone on Reddit talking about this too... it’s shady.
Like, you gotta actively check your credit report and file that dispute. Don't just assume it vanishes automatically. Seriously.
Remember, it's seven years from the original delinquency date – the first time you missed payment – not when they sent it to collections. Big difference!
Also, some credit repair companies (seen ads online!) might try to 'remove' it before 7 years. Questionable tactics there, be careful.
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