Can a debt be chased after 9 years?
John Parsons 
For most debts, the time limit is 6 years since you last wrote to them or made a payment. The time limit is longer for mortgage debts. Your debt could be statute barred if, during the time limit: you (or if it’s a joint debt, anyone you owe the money with), haven’t made any payments towards the debt.
Can I get a delinquent account removed from my credit report?
Late payments remain in your credit history for seven years from the original delinquency date, which is the date the account first became late. They cannot be removed after two years, but the further in the past the late payments occurred, the less impact they will have on credit scores and lending decisions.
What does original delinquency date mean on credit report?
The original delinquency date is the date the account first became delinquent and after which it was never again brought current. If collection information is inaccurate, you can file a dispute on the collection information in your credit report.
How long does an account in collection stay on your credit report?
Under FCRA §605 (a) and (b), an account in collection will appear on a consumer’s credit report for up to 7½ years. To determine when an account will be removed by the CRAs (TransUnion, Equifax, and Experian and others), add 7 years to the date of first delinquency.
Can a creditor sell a debt to a third party?
In many cases, the original creditor is then able to clear their “books” of the bad debt, take a generous tax write off, sometimes collect from “bad debt insurance” and may even sell the debt to third party debt collectors. Charging off an account does not mean you do not owe the debt to the original creditor.
When does an account go off your credit report?
Dear VNW, Your credit report is a history of your accounts and payments. When an account is charged off, or written off as a loss, it remains on your credit report for seven years from the original delinquency date leading up to the charge off. Often, the original creditor will transfer or sell the account to a collection agency.
