We will maintain a debtor database for several years. If you have opted to report to the credit bureaus we will maintain that database for up to seven years. We are responsible to respond to any disputes by the debtor and we will continue to update the debtor profile and email you any changes. Additionally, because the debtor database is maintained, you are able to log in and update the account as to correspondence, change in balance or address and even send an additional set of letters.