Right after I complained to an internet “free” debt collection help line, about the Riverside sheriff officers harassing me for years - and asking one of them why they were calling me and harassing, one of them said, “Well do you owe money to anyone?” - I received a call from “NCO, 800-295-6724, Kevin Monroe/Monrow collections” on May 31, 2011 at around 10 A.M.

Anyone interested in a class-action law suit against NCO, 800-295-6724, Kevin Monroe/Monrow collections, et al.? tessmrqz@yahoo.com

As per Experian: Neither the collection agency nor the original creditor can legally put the debt back on your credit report after the seven year period ends, nor can they start the seven year period over again.

While best noted for allowing you to get a free credit report every 12 months, the Fair and Accurate Credit Transactions Act (FACT Act) actually introduced a number of other new regulations that were equally important.

Among those new regulations was a requirement for collection agencies to report the original delinquency date from the first account.

The original delinquency date is the date of the first missed payment after which the account was never again current. The seven year period is measured from that date.

Requiring collection agencies to report that date helps Experian and the other national credit reporting companies ensure the first account and any subsequent collection accounts are removed at the seven year point.

Contacting the collection agency or making a payment does not change the original delinquency date and does not reset the clock. The information still must be deleted seven years from the original delinquency date. [Courtesy of Experian Public Education @ http://www.experian.com/ask-experian/20070418-debt-cannot-be-returned-to-report-after-seven-year-period.html]
 May 31st, 2011