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When I worked in debt management they told us it is 7 years from the last time the lender had any type of person to person communication with you about the debt. the second you talk to the lender about the debt again that 7 year clock starts all over again. Bottom line don't call the lender you owe the money too, and screen all your calls so you know who is calling before you speak to them.

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Q: How long can a cunsumer reporting agency reporting unfavorable information?
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Is it more effective to challenge inaccurate credit information via the reporting agency or each individual creditor?

As much as I hate to say it, as it makes more work for collection agencies, dispute inaccurate information with the bureau it is listed with. They require the reporting agencies to at least mark the information disputed. In addition to that, agencies must have proof of debt, and must respond to the bureau. Bureaus are a pain and they love the hold function on their phones, but are effective if you have the patience.

What is the difference between an information architecture and an information technology infrastructure?

Information Architecture is a field and approach to designing clear, understandable communications by giving care to structure, context, and presentation of data and information. Particularly refers to websites and intranets, including labelling and navigation schemes. An information technology infrastructure however, is the base or foundation for the delivery of information to support programs and management (of an agency for example). The infrastructure contains elements upon which an agency's information technology activities are dependent. An agency must therefore define, implement, and manage these infrastructure elements to successfully employ information technology.

What information about you is in a credit report?

Here's what can go in a credit report: Includes your name, address, marital status, your date of birth, number of dependents, previous address, and Social Security number. Includes your present position, length of employment, income and previous job. Consists of your credit experiences with specific credit grantors. Includes civil suits and judgments, bankruptcy records, or other legal proceedings recorded by a court. Under the federal Fair Credit Reporting Act, consumer reporting agencies may keep correct and verifiable information in your file for seven years, and ten years in the case of bankruptcy. There are a few exceptions: if you apply for a job which pays more than $75,000 per year, the reporting agency may provide all the information it has, including items over seven years old. information reported because of an application for more than $50,000 worth of credit or life insurance has no time limitation; information concerning lawsuits or judgments against you can be retained in your file for seven years or until the statute of limitations expires, whichever is longer.

How many days must the system of records notice be published before an executive agency begins to collect personally identifiable information for a new system of records?

The system of records notice must be published 40 days before an executive agency may begin to collect personally identifiable information for a new records system.

What information does a collection agency need to ruin your credit?

A collection agency does not "ruin" someone's credit. The person who defaults on their financial obligations is the one who is responsible for that. W/o certain information it is difficult for a debt to be collected or reported to CRA's. Agencies employ skip tracers who are very good at tracking down elusive debtors, so eventually they will track down the person.

Related questions

How long can a consumer reporting agency report unfavorable information?

millions of years haha

What is a credit reporting agency?

A credit reporting agency (CRA) is a company that gathers and sells financial history information

What does a consumer reporting agency do?

A consumer reporting agency is an agency that collects information on certain individuals. They then sell this information to possible creditors to help them decide the credit worthiness of the individual (or whether a person should be allowed extended credit).

Where can someone find information about the credit reporting agency Trans Union?

One can find information about the credit reporting agency called TransUnion by visiting the website of TransUnion itself. Wikipedia also has useful information about TransUnion.

How do you find the collection agency's contact information if the reference on your credit report says only 'medical collection account'?

Contact the credit reporting agency from where you got the report. They have the contact information and can provide that to you upon request.

What information does agency people need for reporting against you to credit buerea?

Name, SSN, Address or other verification of debt.

The primary private sector agency that overseas external financial reporting is?

The primary private sector agency that overseas external financial reporting is?

When Will The Credit Reporting Agency Respond To A Credit Report Dispute?

Whenever you submit a credit report dispute, the credit reporting agency has as much as 45 days from receiving your dispute to do an analysis. The credit reporting agency generally will get 30 days to research your dispute, but when you signal more details inside the 30-day window, the credit reporting agency will get yet another 15 days, getting the total to 45. Once the credit reporting agency has got the outcomes of the analysis, the agency should inform you about the results within 5 working days.

How can I find work with a court reporting agency?

Court reporting work can be hard to find. You can find court reporting work at

What is the difference between a Consumer Reporting Agency and A Credit Reporting Agency under the guidelines of the Fair Credit Reporting Act?

there is no difference, it is the same. They were called Credit reaporting agencies several years ago, then the terms was changed to consumer reporting agencies as they are not used for more than just Credit Reporting.

Law that stops a company from reporting to a credit agency while the matter is in litigation?

cite the law that prevents a company from reporting to a credit agency while that item is in litigation?

How can I start a court reporting career in Detroit, MI?

There is a Clawson court reporting agency that will help you get train for court reporting then will allow you to get a career.