General Credit Topics

[ggedms]

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C O L L E C T I O N A C C O U N T S

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AFNI, INC. Dated Reported:  03/09  Date of Last Activity:  07/05 Dated Opened: 07/00    $1626

OPEN

B $141 4 $1414 19 0 0 0 COLLECTION

20XXXXXXX7  0 0 1 $1414 XP/TU/EF

B

HISTORY: 03/09; 9-----------------9

FACTORING COMPANY; ORIGINAL CREDITOR: AT T MOBILITY

Looking at the above, which I copied from my CR, is it possible that this will fall off my CR 07/12; since that is 7 years since date of last activity?  This is one major baddie for me.  Thanks for any info...

[Tischer712]

From my experience, it will fall off anywhere from 7-12 to the end of the year, since some can report up to 7.5 years if I am not mistaken.

[MarineVietVet]

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ggedms wrote:

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C O L L E C T I O N A C C O U N T S

======================================================================================

AFNI, INC. Dated Reported:  03/09  Date of Last Activity:  07/05 Dated Opened: 07/00    $1626

OPEN

B $141 4 $1414 19 0 0 0 COLLECTION

20XXXXXXX7  0 0 1 $1414 XP/TU/EF

B

HISTORY: 03/09; 9-----------------9

FACTORING COMPANY; ORIGINAL CREDITOR: AT T MOBILITY

Looking at the above, which I copied from my CR, is it possible that this will fall off my CR 07/12; since that is 7 years since date of last activity?  This is one major baddie for me.  Thanks for any info...

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Hi there.

None of the dates listed are applicable. What you need to know is the DoFD (Date of Fiest Delinquency). A collection can report no longer than 7.5 years from the DoFD on the OC (Original Creditor) account that led to the collection.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[pizzadude]

I noticed that this collection is from AFNI.  They are one of the best CAs when it comes to deleting paid collections from your CRAs.  

So when you pay there is a good chance that you can get it removed.

[RobertEG]

Since the collection was apparently assigned in 3/09, I would assume that the DOLA of 7/05 referred to was on the OC account.

That would imply a DOFD earlier than 7/05. 

This being 2/2012, the current DOFD exclusion date would be 8/2004.

It looks like you might be within a year of CR exclusion.

Get the DOFD, add 7 years and 180 days, and you will have the specific statutory date of exclusion.