How Long Can A Debt Collector Legally Pursue Old Debt? (+How To Rebuild Credit)

Debt collectors may pursue old debt for 6 years or longer (depending on where you live). If you have old debts, rebuilding your credit is the path to a stronger financial future. The fastest way to rebuild your credit is disputing inaccurate negative items — & an expert like Credit Glory makes it easy for you!

How long can a creditor pursue your old debt?

Creditors may pursue your old debts for 4 – 6 years. The worst part? Depending on regulations in your state, they may try to collect for longer! Even if the debt collectors do stop pursuing the debt, it's possible negative items can linger on your credit report (crushing your score).

What happens if you have negative items (like old debt) on your credit report?

Negative items on your credit report have serious consequences. First, they decrease your score — costing you a fortune w/high rates. The worst part? The FTC estimates that 20% of all credit reports have (at least) 1 error related to negative item reporting! If you have false, negative items on your report you can rebuild your credit —& an expert (like Credit Glory) makes it easy!

How to rebuild your credit after an old debt (& why a pro makes it easier)

The best tool to rebuild your credit is a dispute. You can dispute either DIY or w/help from a professional (like Credit Glory). Here is the process (& why working w/an expert is the easiest way).

Step 1: Check your credit report for inaccurate items

Disputing negative items starts with identifying inaccurate reporting. Wondering how to find errors? Look at the detailed info for negative items from all 3 credit reports. Sound like too much work? An expert like Credit Glory quickly finds mistakes, making the process a breeze.

Step 2: Write a dispute letter

There are several options for drafting a dispute letter. You can start from scratch — or find a template online. The tricky part is finding a legit template — especially when Google gives over 74 million search results! On the other hand, a partner like Credit Glory handles this for you, removing the headache.

Step 3: Collect supporting docs

If you can find a legit sample letter, you need to clearly state your name, address, and what you are disputing. Then collect all relevant documents to support your claim. The catch? Make sure you send copies — not originals. Optionally, Credit Glory makes this easier, knowing exactly what to send (& where to send it).

Step 4: Wait for a decision

If you manage to write a letter, compile the documents, and find out where to send your letter — the last step is waiting for results. Assuming you did everything perfectly, the dispute results are sent to you in writing. The result? After a long wait — sometimes months — the record may be removed. If you let Credit Glory help, you have access to support throughout the whole dispute process.

What's your easiest way to find (& dispute) any inaccurate items: DIY or w/help from Credit Glory?

Handling the dispute process on your own is tedious and time-consuming. An easier way? Let Credit Glory — a dispute expert — handle the whole process (saving you time & money).

Choosing Credit Glory for help with your dispute provides:

• A tested dispute process - Credit Glory uses a refined dispute process, with success removing negative items.

• Unmatched 100% Money-Back Guarantee - Qualify for a full refund if Credit Glory can't remove inaccurate negative items in 100 days.

• Best-in-class customer support - Disputes are generally complicated and involve waiting. Credit Glory beats DIY by a mile providing access to comprehensive customer support.

Bounce back from old debt w/help from Credit Glory!

Disputing negative items on your credit report is hard work! It takes a lot of time, effort, organization, and follow up. The good news? Our team of credit repair professionals is here to simplify everything! Let your dedicated credit repair expert relieve you of the stress, hassle, and time needed to fight your inaccuracies.

Credit Glory is a credit repair company that empowers consumers with the opportunity and knowledge to reach their financial dreams in 2023 and beyond.

Call us at (855) 938-3044 or set up a consultation to get started, today!