Is this account re aged?

My credit report show an account that with into chargeoff. I am trying to see what took so long or is the account re aged. My credit report shows.......

date opened-- 07/1993 type- installment

reported since -09/1999 Terms- 61 months

date of status--04/2004 monthly payment-0

last reported--06/2006 responsibility-individual

credit limit/Org. amount--12,666

High balance --NA

recent balance--2,470 as of 06/2006

recent payment--0

I dont have proof but that truck was history before 1995, how is it still on my credit report? Any advice on what I should do? It never went into collections or anything. Please help, I am trying to repair my credit report. Thanks

Is this account re aged?

It can be kept alive by selling back and forth to different credit agency. That is how they make sure it doesn%26#039;t go off your report in the 7 years.

Is this account re aged?

I would dispute this item with the bureaus and also the collection agency if you know who that is

also try the debt validaion routine with the collection agency

Is this account re aged?

I%26#039;ve been where you are and it%26#039;s no fun. The first thing you need to do is get a recent copy of your credit report. You can get a free credit report and credit score at http://smart-money-help.com/free-credit-... . Even if you have seen your credit report you need to request a new one. Things get added to the report all the time and some of them might not be accurate. Getting rid of the errors and challenging everything is the next step in fixing things. Also, you don%26#039;t need to pay someone to fix your credit report. There is nothing someone else can do that you can%26#039;t do yourself. That same website also offers a free credit repair kit. The free kit and the free credit report are all you need to start getting your credit repaired. You can get the free credit repair kit at http://smart-money-help.com/free-credit-... .

Is this account re aged?

Your %26quot;date of last activity%26quot; appears to be 04/2004 but they reported your unpaid balance in June 2006.

Go to www.LearnAboutCredit.com