Re-aging

What it means

An illegal practice in which a debt collector resets the start date of the 7-year credit reporting period on a debt, making it look newer than it is. The 7-year clock always runs from the original delinquency date, not from the date a new collector bought the debt. Re-aging violates the FCRA.

Covered in the free course

• Your Rights Under the FCRADisputing Errors Like a Pro
• Collections, Charge-offs and the Nuclear OptionsPayment History
• Red Flags and Warning Signs to Watch ForReading Your Credit Report
• Collections and Charge-offs: Your Recovery RoadmapCommon Credit Problems

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