7 Years Collections Credit

Stop Collection Agencies

Why do collection agencies spend so much energy calling you at annoying times to get your money?

Most third party bill collectors get paid a percentage of everything they collect that's why!

The debt collection industry offers big profits which attracts a lot of unethical agents. There are more than a handful of bill collectors that will go to any length to collect a debt and earn their commission. Even breaking the law! What normal decent individual would want to have a job coercing, manipulating and scaring people into giving money that they don't have?

Anyone pocketing a commission off it!

If you are currently experiencing the discomfort of threatening phone calls and letters, or if you ever do in the future, you can take comfort in the knowledge that you have the authority to put an immediate end to such harassment.

Every citizen has this authority!

The problem is that most don't know it!

A federal law called the Fair Debt Collection Practices Act was created by the Federal Trade Commission (FTC) in 1977 to protect people like us from the abuse of loser bill collectors and collection agencies, limiting their tactics to extract money from debtors.

Unfortunately, this law applies only to third party collection agencies and not to the creditor to which you owe the money, as they are usually banks, and assumed to be decent people.

The Collection Agency Nullifier have provided "knowledge links" that provide you resources, secrets and tactics that will help you effectively deal with the collectors on the phone!

It is a psychological game when you are on the phone with the collector. If you know your rights (rules of the game) YOU will be in control of the call---not THEM!

While your taking control of the phone calls get your:

• account information
• their address
• the name of the bill collector

Seriously, it's more than just writing a letter and the government isn't going to hold you by the hand and tell you exactly what you need to know.

If you want to ensure you cover all the bases, that you are invoking the provision properly, and that you are taking the necessary steps to successfully nullify/stop the collection agency from harassing you--

How Long Can Negative Information Be Reported?

Your credit report contains a history of your credit activity. Negative items on your credit report will hurt your credit rating for a number of years.

Accurate negative information generally can be reported for seven years, but there are exceptions:

• Bankruptcy information can be reported for 10 years;
• Information reported because of an application for a job with a salary of more than $75,000 has no time limitation;
• Information reported because of an application for more than $150,000 worth of credit or life insurance has no time limitation;
• Information concerning a lawsuit or a judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer; and
• Default information concerning U.S. Government insured or guaranteed student loans can be reported for seven years after certain guarantor actions.

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