Date Assigned versus Date of Delinquency

Anne1208 · ‎07-01-2015

My husband has a Time Warner bill from when he had roomates back in 2009....he didn't even know it still existed, and it went to collections and he paid it when he got a notice last year in April, 2014.

His report shows "date assigned: April, 2014". The date of deliquency is like, July 2009.

Under "negative factors" on his credit report it shows that his latest collection was that Time Warner Bill "1 year, 2 months ago." Is that right? Shouldn't it be from the date of delinquency, not "date assigned"??

Starting Score: January 2014 Experian: 713 Equifax: 668 Transunion: 691
December 2015 Score: Experian: 766 Equifax: 751 Transunion: 759
October 2018 Score: Transunion:735

Goal Score: 800’s across the board

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Anonymous · ‎07-01-2015

You would need to wait for the experts but I beleive the collection agencies can report it that way. It still is aging as of date of first delinquency.

gdale6 · ‎07-01-2015

It can only report for a max of 7.5 yrs from the OCs DoFD (sometime in 09 from what you have posted here). The CA reports the date they receive the collection and since he immediately paid it, it was updated to paid in full and Fico will score it from the date of last status, it is legal, if you want it gone you would need to send a GW letter to the creditor asking that the whole TL be removed.

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-letter-Q-amp-A-Examples-and-GW-Success-Sto...