Correct me if I'm wrong please...
Anything on my credit report that had last activity more than 7 years ago should drop off, correct?
So if anything is on there from 2001 or later, I can dispute it?
Now, my question is, what is last activity? Many collection accounts are sold and resold, bumping up that last activity date.
What defines last activity on an account?
What if the last activity with the origional creditor was in 1998, but the sold my account to a collection agency in 2005. Does than mean 7 years from 2005, or from 1998?
Thank you


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