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NaplesNole

Date reported delinquent vs actual start time

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Hello all. After getting divorced I decided to just wait seven years without using or applying for any credit. Well using the approach has successfully removed most negative items on all three reports. My question is, I see a few accounts where the date reported delinquent is not the actual time I stopped action or ceased any communication with the creditor. How does one go about disputing the start date? I live in Florida and anything left on my credit report should have been removed or getting ready to fall off. My second part of the question is Midland funding has a collection account. Last reported activity is Nov 2006, yet it says says reported by them (Midland) as 2013. Can they re age a debt without me ever contacting anyone concerning it? It should technically be gone this month....Thanks to anyone who takes the time to reply..

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that's the date when midland opened the account with the CRA"s

 

dispute it with the CRA's as obsolete

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