Latest Posts
Home > Ask The Get Out of Debt Experts > What Do I Need to Do to Get an Old Delinquent Item Off My Credit Report? – Shelley

What Do I Need to Do to Get an Old Delinquent Item Off My Credit Report? – Shelley

“Dear Steve,

Working on paying off some old debts. Also trying to repair my credit.

Can a old debt that has been charged off and the statue of limitation has past, can be reported by a collection agency as new on my credit report.

How do i go about getting this removed from my credit report.

Shelley”

The Answer

Dear Shelley,

Get Out of Debt Free Hotline

A delinquent account should only be reported for no more than 7.5 years from when it was first reported delinquent.

Getting it remove is a relatively simple process. Get a copy of your consolidated credit report or your individual credit reports and follow the credit bureau dispute process for each credit report that is showing it with a newer start date.

Please post your responses and follow-up messages to me on this in the comments section below.

morehelp1
Choice1
Choice2
Choice3

Big Hug!

Get Out of Debt Guy – Twitter, G+, Facebook

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

Get Out of Debt Free Hotline
debt settlement helpstudent loan help

About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

Get My FREE Get Out of Debt Guy Newsletter

It is the smart thing to do.

I promise to keep your email safe and secure.

Close

I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.

You can unsubscribe at any time with just one click.

After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.


  • It will keep you posted on the latest scams.
  • You will be alerted to the latest articles.
  • You will wind up smarter than everyone else dealing with debt.

Get My FREE Get Out of Debt Guy Newsletter

It is the smart thing to do.

I promise to keep your email safe and secure.

Close

I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.

You can unsubscribe at any time with just one click.

After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.


  • It will keep you posted on the latest scams.
  • You will be alerted to the latest articles.
  • You will wind up smarter than everyone else dealing with debt.