I am going over my credit report that was pulled by a lender is Unbelievable what I saw. I called the collection agency prior the pulling from the lender. 5 of the collection accounts that are 4 years old are reporting date opened 2012. What is going on .
That's just the date that the CAs got the account. It's not the DOFD, that is not set by the CA, it's set by the OC.
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.