Credit Card Center Advertiser Disclosure

Frequent Contributor
Posts: 332
Registered: ‎04-04-2012
0 Kudos

Re: Finding out when a collection agency bought a bad debt?

[ Edited ]

Ah, thank you!  I learn something new every day on here!


DOFD = Date of First Delinquency

Frequent Contributor
Posts: 340
Registered: ‎10-03-2009
0 Kudos

Re: Finding out when a collection agency bought a bad debt?

I was told the same thing by HSBC last week! I filed bankruptcy in April 2011 and noticed HSBC was reporting my account as bad and in collections. they put it was sold to Calvary. I called the collection agency and they told me it was sent back Hsbc, due to they could not collect on a item included in bankruptcy. I never got anything from collection agency nor did they ever report anything to credit report agency's.  I called HSBC and they tried to give me the run around.  they actually tried to tell me the account was charged off a month before my bankruptcy was filed and I still owed.  I called my bankruptcy lawyer and he told me regardless of when they sold the account the original opener of the account is listed whether it was charged off or sold, that legally no one can come after me for the discharged debt. I called HSBC and they apologized to me and stated they would fix it after me letting them know they are violating the law by reporting me incorrectly. I am waiting for it to clear off my credit report. That should give me a great amount of increase in score Smiley Happy

MCU $1000 (open 5/2015) I Capital One $3750 (open 4/2012) I Discover IT $2000 (open May 2017)
Starting Score 07/2016: TU 619 I EX 631 I EQ 592 I
Current Score 05/2017: TU 658 I EX 666 I EQ 666 I
Goal Score: All scores between 670-700 by July 2017

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.