Can a collection agency re-open a nine year-old unpaid debt?
Can a collection agency reopen a nine year-old unpaid debt? I used to be terrible about paying bills, but I’m much better now and I finally have excellent credit. Most of the old delinquent accounts were paid off, but on one of the oldest, I chose to wait out the seven-year credit reporting limit instead of paying it. Two years ago it went off my credit report right on schedule.
Today I received a letter saying that the debt has been purchased by «LVNV Funding LLC» and that it is being collected by «Merchant’s Credit Guide, Co.» Doing a bit of googling, it looks like they’re both owned by the same company, and that I likely don’t owe them anything. I’m sending them this letter disputing the debt tomorrow. My question: is there any way they can reopen this so that it somehow ends up on my credit report?
Original text: Can a collection agency re-open a nine year-old unpaid debt?
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