Thin Files and the Gap Between Sale Dates
A thin debt file at resale reveals how time passed between portfolio sales, and why that gap matters for both the lim...
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What a Time-Barred Debt Still Is
A time-barred debt is still owed, still reportable, and still collectible by phone — the limitations period ends cour...
Read itWhy the Two Clocks Get Confused
The limitations period and the credit-reporting period are separate timers with different lengths, different triggers...
Read itReg F Itemization Date Explained
Reg F's itemization date anchors the balance a collector discloses — it is a snapshot, not the date of delinquency, c...
Read itWhat the Charge-Off Date Does to the Clock
The charge-off date anchors the seven-year credit-reporting period under the FCRA, separate from the limitations cloc...
Read itEvents That Restart a Clock
Certain borrower actions restart the limitations clock on a debt — a different timer from the credit-reporting period...
Read itDebt Clock Real Time: How the Two Timers Run
Two separate clocks run on every unpaid debt — the limitations period and the credit-reporting period — each with its own trigger, length, and effect.
Read articleWhen the Limitations Clock Resets After a Payment
A payment on an old debt can restart the limitations period in most states, exposing the account to a fresh lawsuit window — separate from the…
Read articleTwo Clocks Run on Every Old Debt
The period for filing suit and the period for credit reporting are different lengths with different triggers. Why they get confused.
Read articleWhat Starts a Limitations Clock
The period for suing on a debt starts from an event, and which event depends on state law and the kind of obligation.
Read articleHow Re-Aging Happens Mechanically
Re-aging means an account's controlling date moves later than it should. How the mechanism works, and where the error enters.
Read articleAll The Articles
- Thin Files and the Gap Between Sale Dates
- What a Time-Barred Debt Still Is
- Why the Two Clocks Get Confused
- Reg F Itemization Date Explained
- What the Charge-Off Date Does to the Clock
- Events That Restart a Clock
- Debt Clock Real Time: How the Two Timers Run
- When the Limitations Clock Resets After a Payment
- Two Clocks Run on Every Old Debt
- What Starts a Limitations Clock
- How Re-Aging Happens Mechanically