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I have 2 accounts with Trident Assets collection agency. Both accounts say the DOFD is Aug 2009, but then there's another date for Date First Major Deliquency was reported and that's June 2011. I'm new and been doing a ton of reading and I'm trying to decide if I should pay this debt off or if it will be falling off my report soon.
I would pull your reports and see what they say. If it shows both accounts as Aug 09 then I wouldn't worry as they aren't affecting your score nearly as much as they were before, might as well just let them fall off. However, I had a collection from 2011 that literally just posted on my credit reports this month as a new collection, so if thats the case with one or both of yours I would suggest a PFD.
They should fall off Feb 2017 - not exactly what I would consider 'soon'. Depending on the amounts you might want to consider negotiating a PFD
I did pull my reports and that's where I found the DOFD is Aug 09, I was just confused because there's also "Date First Major Deliquency Was Reported" as June 2011, so I wasn't sure which date they go off of to decide the 7 years.
Okay, thanks!