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Collection Agency Question

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Anonymous
Not applicable

Collection Agency Question

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.

Message 1 of 6
5 REPLIES 5
Desmoire
Regular Contributor

Re: Collection Agency Question

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.

myFICO Scores EQ 778 TU 783 EX 772 | Mortgage 106774.00 | Auto Loan 15251.00 | AMEX BCE 0/25500 | Lowes 0/6300 | Barclay Rewards 0/5000 | NASA FCU 0/5000 | FNBO 0/4400 | Amazon 0/4000 | FNBO Employee 283/2900 | NFM 0/2600 | Chase Freedom 0/2500 | Best Buy 0/2300 | Cap One 0/2250 | FNBO 0/1100 | NASA FCU Rewards 0/1000 | Quicksilver 0/750 | Younkers 0/500 TOTAL: 283/74,450 0.003% UTIL
Message 2 of 6
Anonymous
Not applicable

Re: Collection Agency Question

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

Message 3 of 6
LShawn08
Frequent Contributor

Re: Collection Agency Question

Your account wont fall off till 2018, I believe.
Starting Score:TU:791(Dec3), EX:783, EQ:000
Current Score: TU:786(Aug9), EX:776, EQ:782 (Aug8)
Goal Score:820 across all boards






If all pork chops were perfect, we wouldn't have hot dogs! -Steven Universe
Message 4 of 6
Anonymous
Not applicable

Re: Collection Agency Question

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.

Message 5 of 6
Anonymous
Not applicable

Re: Collection Agency Question

Okay, thanks!

Message 6 of 6
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