Can previously purged bad debt repost on bureau?
Printed From: CanadaStudentDebt.ca
Category: Immediate Attention and Info!
Forum Name: Credit Bureau and Reporting Issues
Forum Description: Find answers to Credit Bureau Issues Here
URL: https://www.canadastudentdebt.ca/forum_posts.asp?TID=6564
Printed Date: 27/March/2026 at 12:33am
Software Version: Web Wiz Forums 12.07 - https://www.webwizforums.com
Topic: Can previously purged bad debt repost on bureau?
Posted By: lincoln
Subject: Can previously purged bad debt repost on bureau?
Date Posted: 23/November/2012 at 1:14pm
Hi there,
I had a previous debt with a visa that purged from my bureau 6 years after the dol, which was in 2002, and now 4 years after being purged a collection agency is trying to contact me. My credit is now finally in a good standing and I have not made any mistakes since. I am trying get approved for a mortgage and am worried this could go back on my credit report.
Can a collection agency re-post this on my report with equifax or transunion? do i have to keep dealing with the collectors calling me? from what i have gathered online, here, and with equifax is that once purged it can never be reposted? is this true? equifax states it could be reposted and if so, i would have to dispute it. Any help in dealing with this would be greatly appreciated. And thank you so far for all the information provided.
|
Replies:
Posted By: SolveStudentDebt
Date Posted: 24/November/2012 at 9:49am
If the debt is staute barred it is not allowed to be reported.
-------------
Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.
http://www.solvestudentdebt.com" rel="nofollow - solvestudentdebt.com
|
Posted By: lincoln
Date Posted: 25/November/2012 at 6:11am
|
equifax told me that collectors can re-post by changing the dol activity and then its up to me to call in and dispute it. meanwhile it affects my credit score until it is re-removed. this can continue, apparently, forever?
|
Posted By: lincoln
Date Posted: 25/November/2012 at 6:12am
|
also, thanks for the reply johnny!
|
Posted By: SolveStudentDebt
Date Posted: 26/November/2012 at 4:15am
This is why it is important for those with collection items to stay on top of their reports. THe banks are also bound by a federal law as well. The question of accountability is often raised though because they never seem to get into trouble when they break it.
-------------
Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.
http://www.solvestudentdebt.com" rel="nofollow - solvestudentdebt.com
|
|