Does consolidating accounts hurt fico score

Chase, citi financial (store line of credit) and Sears line of credit all have it showing closed but I am getting reporting from some debt collector companies.I live in Arizona and just ordered my actual credit report today.

Fingerhut will often approve people who can't get approved for  other credit, so credit scores as low as 600 or lower might be  approved.

Legislation was passed in 2011 that changed the SOL from 3 to 6 years in Arizona.

Given the information you shared about 2007 being the earliest date of last payment, your debts may/may not be off of the current debt owner’s radar.

They are legally transferring the rights to the debt to someone else, as laid out in your original contract with them.

When an additional entry from a collection agency shows up on your credit report it is important to look for some key items: All negative trade lines related to the same collection account should age off of your credit report at the same 7.5 year mark you use to calculate your first missed payment to your original lender.