"On accounts charged to profit and loss or placed for collection PRIOR to 01/01/98 seven years from the date of last activity. My fear is that they will begin to report the debt again as new debt and stick the info back in my credit reports. As far as I know, they are not reporting this - I have appled for 2 credit cards in the last month and I got both of them. Is there a sample form letter where I can tell them that if they attempt to re-age this debt, they are violating the FCRA and I'll sue them? Or should I wait until they actually report (if the do - I'm not sure they will - they might be using a scare tactic)?