Legal Question in Business Law in California

Re: seven year period from when/whom

The seven-year information-removal requirement is from the federal Fair Credit Reporting Act, 15 USC 1681 et seq. Related California laws for credit bureaus are found at Civil Code sections 1785.1 et seq. and debt-collection procedures are covered by 1788 et seq.

If you do a Web search for the Act, you'll find access to its complete taxt and a lot of other useful information.

The seven-year provisions are in Section 605 and as written I would interpret the time to run from when the negative information is received by the credit bureau, and not when the debt became delinquent.

As for re-sold claims, re-reporting of these would seem to violate the spirit of the law, but I do not know the answer.

Re: seven year period from when/whom

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