Learn · Credit glossary
What Is Reaging in Credit? Definition and Why It Matters
Reaging: the short version
In credit, reaging is illegally resetting the age of a debt to keep it on reports longer.
Why it matters
Only new activity can create a new tradeline; the original delinquency date is fixed.
An example
Say you review your reports and run into reaging for the first time. Check how it appears on each bureau, note the dates, and use the resources below before deciding what to do; small misunderstandings about reaging cause many avoidable mistakes.
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Educational information only. Not financial, legal or credit-repair advice, and no outcome is promised. Verify current rules with the official sources linked below before acting.
Official sources: annualcreditreport.com (free weekly reports), consumerfinance.gov, ftc.gov.