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Why Does My Old Debt Still Show on My Credit Report? – Sherri

“Dear Damon,

old debt get sent in over and over. same debt with a couple added dollars.

when does this debt come off of report? is it seven years from the first time reported? how to get it off?



Hello Sherri,

The debt can stay on the report for between 7 and 7.5 years unless you are successfully able to get it removed via a dispute with the credit Bureau. All three credit bureaus have dispute forms that you can usually fill out online and dispute a debt if you do not believe it is a debt that you owe.

Damon is a talented independent debt coach that provides in-depth assistance and consultations for people struggling with debt. If you want a personal debt coach to help you through a difficult situation or want assistance to find secret discounts offered by debt settlement companies I think Damon Day is an excellent person to contact for advice and assistance. He can be reached directly at

If you have a debt related question you’d like to ask, just use the online form.

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Damon Day

Damon Day is a talented Debt Coach who offers fee based consultations to consumers as an alternative to the typical free debt relief consultations which are nothing more than thinly veiled sales pitches lacking any real information to help a consumer make a good decision. You can learn more about how he can protect you from getting ripped off at

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