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Hi, I have been on the boards for the last couple of months working through the Hipaa process under a different thread (see below). http://creditboards.com/forums/index.php?showtopic=511282&hl=%2Bcfc+%2Btexas_boy&do=findComment&comment=4856962 I'm looking at this from all angles while waiting for the initial dispute process to unfold. Question.... does the 7 year clock start at the time of service for medical? When you pay and old medical bill does it renew the 7 year clock or does the clock still remain at the start point of the "time of service"? Does anyone have a link to the FTC explaining this? I Tell ya.... I have been able to clean up both EQ and TU with the big help of this forum yet EX is a stubborn old goat that I intend to log complaints on and take legal action as they don't play by the FCTRA and FTC rules. They appear to march to their own drum.... Texan