Re-Aging
Re-aging is the improper resetting of a delinquent account's date of first delinquency to a later date, which can keep a negative item on a credit report longer than the FCRA's roughly seven-year limit.
Why it matters in credit repair
Illegal re-aging is one of the highest-value dispute targets because it can be proven by comparing dates and may extend a negative item beyond its lawful reporting period.
How it appears on a credit report
It is visible by comparing the date of first delinquency reported by a collector against the original creditor's date, or across bureaus.
Example
A debt buyer reports a date of first delinquency two years after the original creditor's, unlawfully extending the seven-year window.
Common misunderstanding
Consumers assume paying or transferring a debt legitimately resets the clock. The reporting period is tied to the original delinquency and should not restart.
Related terms
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Pinnacle Credit Repair does not guarantee the removal of accurate, timely, and verifiable information. Results vary based on the facts of each credit file, creditor responses, bureau investigations, documentation, and applicable law.
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