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Confused. ...need answers!

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kaybub
New Contributor

Confused. ...need answers!

I have a collection account that has a dofd of 8/2015. I use Credit Karma. For the last two updates, I received a notification of a new account in collections. Can anyone tell me why this is happening? ?
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Shogun
Moderator Emeritus

Re: Confused. ...need answers!


@kaybub wrote:
I have a collection account that has a dofd of 8/2015. I use Credit Karma. For the last two updates, I received a notification of a new account in collections. Can anyone tell me why this is happening? ?

There's your answer.  First off, how can you have a DoFD in the future?

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 5
kaybub
New Contributor

Re: Confused. ...need answers!

I'm so sorry...wrong terminology. .oops...The date that it will fall off is what I was going for.
Message 3 of 5
IamB2
Established Contributor

Re: Confused. ...need answers!


@kaybub wrote:
I'm so sorry...wrong terminology. .oops...The date that it will fall off is what I was going for.

Maybe that account is reporting as late recently. If I had a collection agency, I would report the debt again (or update it as unpaid collection) the closer it got to the drop off date in an effort to potentially get the debtor to pay for a deletion. Just a thought.

 

Hope that helps..

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Starting Scores: 590s on 12/2013. Hover over card image to view details! *After Amex approvals - [I was supposed to be] Gardening!*
Message 4 of 5
Shogun
Moderator Emeritus

Re: Confused. ...need answers!


@kaybub wrote:
I'm so sorry...wrong terminology. .oops...The date that it will fall off is what I was going for.

OK. so the debt is approaching the 6 year old mark, good for it.  Now you say this is on CK.  CK is a 3rd party CR provider, so sometimes things get a bit skewed and can show things like this.  Also, I"ve seen some CAs change up their information to cause this to happen on purpose.  It's hard for me to tell what's going on here.

 

I take it the debt is unpaid, so it must still be updating though, and if so it is doing max damage.  How much is the debt?  What is the SOL of your state?  In other words, can you provide a little more information?

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 5 of 5
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