I found out here that bad items on your credit report are supposed to drop off after seven years. I have an unpaid credit card from 5 or 6 years ago that should drop off soon but apparently it was reported again in 2011. Does this mean that the clock started over from 2011? Since it's 5 or 6 years old is there any way I can stop it from resetting?

  • 1
    Did you make a payment (even a partial one) against the bad debt? That can cause the timer to restart. – JohnFx Oct 29 '14 at 0:17
  • No, I didn't make a payment. I haven't done anything to it. – Helen Oct 29 '14 at 6:46
  • 2
    Do you still owe money on this card, or was it paid, settled, eliminated in a bankrupcy, etc. ? – Ben Miller - Reinstate Monica Oct 29 '14 at 13:51

Your Answer

By clicking “Post Your Answer”, you agree to our terms of service, privacy policy and cookie policy

Browse other questions tagged or ask your own question.