I found a collection on my credit report from 2001---I found it in 2006 and had no knowledge of it and had never been contacted about it from the collection agency.  I called them and said I did not have knowledge of it and wanted information about it to which they provided nothing.  I checked my credit report 2 weeks later and it now shows an update of 2008.  Does that mean the 7 years starts over?  I am a very intelligent person and would have no problem investing time in deciphering laws and how to find a way around this, but I want to know if this is a legitimate act on their part or if I should take the time to find a loop hole.  If I can do the research, what do I look at?