The time period when a negative account should be removed from reports is 7 years and cannot be restarted by a creditor or collection agency. If the time period is restarted then re-aging has taken place, which is illegal.
Charge-Off Notification: Do creditors have an obligation to notify you directly when they close an account for late payments or charge-off an account?
Requesting debt validation does not always lead to getting that information from debt collectors. But can unverified debt be removed from credit reports?
Comcast is required to report an accurate first date of delinquency to the credit bureaus when they charge-off accounts but that does not always happen.
Can a company run your credit with just the last 4 digits of your social security number and does giving them a partial social security number count as permissible purpose.