Sending a "re-aging" letter to the original creditor is pointless. There is no consumer recourse if they do not repspond. send a DISPUTE letter to the credit reportng agency requesting they provide the original date of delinquency. (the 7 year reporting period starts with the original date of delinquency) If they original creditor verifies the date which is AFTER the actual date, then you have a cause of action. FCRA section 623 ONLY allows a consumer to take legal action in section (b).
