I contacted collectors through DV they didn't provide sufficient information. So I forwarded it to all three credit bureaus with a letter stating they should remove it or invesigate. I checked my credit reports today and the date reported have all been changed to this year. Are they allowed to do that? doesn't this make that now not fall off my credit report for additional 7 years when it only had 3 or less left before it came off. any help would be great.
I'm guessing what probably happened is that your credit report shows something like "Last Updated 01/15/2011" (or some similar recent date), right? Don't worry -- this doesn't impact when it will fall off your report. In fact, many CAs ping the CRAs every 30 days or so just to make every tradeline appear recently updated. It's shady at best, but entirely legal. If your date of first delinquency was, for example, 1/10/06, and you haven't made any payments since, the entry should fall off your report around January 2013. It sounds like you have nothing to worry about. As for saying the CAs didn't provide "sufficient" information -- what exactly do you mean?
Thank you I think I already knew that but I was confusing the date of last deliquency with the last reported date so I was concerned. When they responded to my DV is all they sent was the "collection bill" to me that doesn't quite validate it but maybe it does.
