Collections, regardless of whether paid or unpaid, have a date-certaqin exclusion date of no later than 7 years plus 180 dqayws from the DOFD. The date of any last payment is immaterial to credit report exclusion, and does not re-age the exclusion date of a reported collection.
The debt collector is required to separately report the DOFD to the CRA no later than 90 days qfter reporting their collection. FCRA 623(a)5).
The CRA then uses that date, and thqt date alone, to determine when they exclude the collection from credit reports they issue.
The debt collector does not "report" exclusion of the collection. It is done solely by the CRA based on theri tracing of time since the reported DOFD.
You can force exclusion of the collection by obtaining the DOFD that is of record in your credit file.
If it does not accurately reflect the date that you first became delinquent on the debt with the creditor, and thereafter remainded delinquent up to the time of referral for collection, you can dispute the accurqcy of the reported DOFD.
If the DOFD is accurate and more than 7 years plus 180 days has expired, then the CRA is in violation of the exclusion requirment of FCRA 605(c), and your dispute is with the CRA lack of compliance.
In summary, you must first know the reported DOFD before contesting the exclusion date or reaging of the credit report exclusion period.
What is the reported DOFD?
