Home » FAQ » Credit Reports » A collection agency just pulled my credit bureau report for a cc debt that is 16 years old. The SOL has expired and the debt has been off my credit report for years. So, is it legal for this 3rd party collection agency to access my credit report?

A collection agency just pulled my credit bureau report for a cc debt that is 16 years old. The SOL has expired and the debt has been off my credit report for years. So, is it legal for this 3rd party collection agency to access my credit report?

Answer: The answer is likely yes.

Although the debt has expired, this only prevents collectors from using the courts to enforce the collection of the debt. They still have the right to try and collect old debts; even 16 year old debts. This also means they have a “legitimate business reason” to pull your report.

But you can protect yourself by ensuring this debt does not end up on your credit reports again.

Many collectors report old debts to credit bureaus as if they are a new debt. Credit bureaus don’t bother checking the validity of the report because the Fair Credit Reporting Act (FCRA) says the person or agency reporting the debt must ensure its accuracy.

It would be wise to contact Fair Credit Reporting  Attorneys For Consumers, the FCRA provides  money damages for you for inaccurate reporting and also provides for the payment of your  attorney fees.

confidential informationThere may be instances where discussing your situation over a public forum could potentially compromise your interests. On these occasions we will contact you directly via email in order to answer your inquiry in a confidential manner.

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