Credit repair terms · FCRA · CROA
What is Collection?
A documentation-first definition.
Collection (Collection (third-party collection tradeline)). A collection is a tradeline reporting that a debt has been sold or assigned from an original creditor to a third-party collector. Collections remain on the credit report for 7 years from the original date of first delinquency on the underlying debt under FCRA section 1681c. Re-aging the date of first delinquency is a section 1681c violation.
15 USC § 1681c
Read the statutory text on the Cornell Legal Information Institute: https://www.law.cornell.edu/uscode/text/15/1681c
How Pinnacle applies this term.
Pinnacle's collection-removal strategy combines FCRA section 611 accuracy challenges with FDCPA section 1692g validation challenges. Payment without removal language in writing is rarely a productive first move.
Pinnacle is a San Mateo, California-based forensic credit-repair firm operating under FCRA and CROA. Documentation-first dispute strategy; fixed-fee; capacity-limited; CROA compliant.
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