Hello fellow members!

[karnitia]

I am so excited to have found this forum! I have told everyone I know about it! Well a little about me...I am a graduate student, mother, and employed full-time in TN. I have recently started my quest to rebuild my credit and I need all the help I can get. So far I have disputed some things on my credit reports and successfully had alot of items deleted. I am enrolled in score watch and have daily access to my experian report, even though I believe it is a FAKO score of 570. (TU 632 and EQ 589)Here is a list of what is left on my Equifax...Any and all input is appreciated!

EQUIFAX

9/7/12  Fico score 589

Collection agency [?]	496YC00000
Original balance [?]	$206
Current balance [?]	$206
Date assigned [?]	Aug, 2012
Account number [?]	XXXXXXX62N1
Account holder [?]	Individual
Account descriptions [?]	Medical

Collection agency [?]	455YC01291
Original balance [?]	$40
Current balance [?]	$180
Date assigned [?]	May, 2011
Original lender [?]	Follett Ar Tenn
Account number [?]	XXXXXXX79N1
Account holder [?]	Individual
Account descriptions [?]	Consumer disputes - reinvestigation in progress

Collection agency [?]	455YC01291
Original balance [?]	$37
Current balance [?]	$177
Date assigned [?]	May, 2011
Original lender [?]	Follett Ar Tenn
Account number [?]	XXXXXXX78N1
Account holder [?]	Individual
Account descriptions [?]	Consumer disputes - reinvestigation in progress

Collection agency [?]	772YC00000
Original balance [?]	$800
Current balance [?]	$1,302
Date assigned [?]	Mar, 2008
Account number [?]	XXXXXXXX
Account holder [?]	Individual
Account descriptions [?]	Consumer disputes - reinvestigation in progress   Medical

Collection agency [?]	772YC00000
Original balance [?]	$30
Current balance [?]	$30
Date assigned [?]	Feb, 2008
Account number [?]	XXXXXXXXXXXXX7150
Account holder [?]	Individual
Account descriptions [?]	Consumer disputes - reinvestigation in progress   Medical

Collection agency [?]	701YC32920
Original balance [?]	$588
Current balance [?]	$588
Date assigned [?]	Nov, 2011
Original lender [?]	T Mobile Usa
Account number [?]	XXXXXXXX
Account holder [?]	Joint
Account descriptions [?]	Consumer disputes - reinvestigation in progress

Collection agency [?]	772YC00000
Original balance [?]	$163
Current balance [?]	$163
Date assigned [?]	Jun, 2010
Account number [?]	XXXXXXXXXXXX1900
Account holder [?]	Individual
Account descriptions [?]	Consumer disputes - reinvestigation in progress   Medical

Collection agency [?]	701YC32920
Original balance [?]	$588
Current balance [?]	$588
Date assigned [?]	Oct, 2008
Original lender [?]	T Mobile Usa
Account number [?]	XXXXXXX
Account holder [?]	Individual
Account descriptions [?]	Consumer disputes - reinvestigation in progress

Collection agency [?]	180YC00000
Original balance [?]	$649
Current balance [?]	$649
Date assigned [?]	Jun, 2008
Account number [?]	XXXXXX6264
Account holder [?]	Joint
Account descriptions [?]	Consumer disputes this account information   Medical

[Shogun]

Welcome.  I commented on your other post.  DOFD is what starts the clock to determine if the TL is within the SOL of your state and how long it will stay on your CR.  7 years + 180 days.

[karnitia]

Thanks for keeping up with me. So basically I need to call the original creditors first to get this date....correct? don't go by date on my CR?

[Shogun]

The post you had on here doesn't have the DOFD.  The Date of First Delinquincy.   This is the date the acct. went late and was never caught back up.  You should go to www.annualcreditreport.com and pull your real credit.  It's free, the one free one you get a year.  This will have all the information posted in it.