Real ChatGPT answer · index seedb46ty6YRLUUcompleteFinance and banking · credit scores and repairbrand
Can a collection agency legally put a new mark on my credit report for an old debt that is past the statute of limitations in Texas?
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The searches the AI actually ran for this prompt.
SEED QUERY
Can a collection agency legally put a new mark on my credit report for an old debt that is past the statute of limitations in Texas?
2 real searches · 1 real-search pass
Texas debt statute of limitations four years Texas Civil Practice Remedies Code 16.004 consumer debt credit reporting FCRA date of first delinquency seven years CFPB FTCGoogle ↗
OBSERVED
FCRA collection account date of first delinquency re-aging seven years plus 180 days CFPB credit reportGoogle ↗
OBSERVED
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
Classifying 2 queries…
Searches and sources
ChatGPT2 real searches · gpt-6
Texas debt statute of limitations four years Texas Civil Practice Remedies Code 16.004 consumer debt credit reporting FCRA date of first delinquency seven years CFPB FTC Google ↗
FCRA collection account date of first delinquency re-aging seven years plus 180 days CFPB credit report Google ↗
- Federal Register / Vol. 87, No. 206 / Wednesday, October 26, 2022 / Rules and Regulations 64691 · files.consumerfinance.gov
- How long does information stay on my credit report? · consumerfinance.gov
- What is the statute of limitations on debt? · sll.texas.gov
- Time-Barred Debts - Debt Collection · guides.sll.texas.gov
- AnnualCreditReport.com · annualcreditreport.com
- Consumer Financial Protection Bureau · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Texas debt statute of limitations four years Texas Civil Practice Remedies Code 16.004 consumer debt credit reporting FCRA date of first delinquency seven years CFPB FTC OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
FCRA collection account date of first delinquency re-aging seven years plus 180 days CFPB credit report OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |