Can a creditor remove a debt after seven years and then sell the debt and place it back on your credit report?
No. Federal law requires the lender to report the original delinquency date of the account that led to charge off and any subsequent collection efforts. The original delinquency date is the date from which the seven year period is measured.
The original account and any subsequent collection accounts are deleted seven years from the original delinquency date. Because each account must include the original delinquency date, none should return to your credit history.