06/25/2019
CREDIT INFO ALERT!
The original delinquency date of an account must remain the same as it was with the original lender. Even if the debt is sold to a collection agency, the account history will accurately reflect the age of the debt.
Both the original account and the new collection account will be deleted seven years from that ORIGINAL delinquency date. Immediately dispute collections on your credit report if the original delinquency date is seven years old.
When a collection agency purchases an unpaid debt, the date opened on the account will reflect the date it purchased the account from the original creditor.