Frequent Contributor
Posts: 360
Registered: ‎02-20-2008

Need a refresher

I had a long disputed collection account age off several months ago.  I'll spare the details but it's a disputed balance I have no intention of paying. 


I received a notice the other day advising Calvary has contracted another company to collect for the debt.  I don't think i've heard of a CA contracting out another CA to collect. 


Can someone give me a refresher on the DOFD rules?  The claimed debt is literally 10 years.  Can a new agency list it on my report? 

Posts: 22,406
Registered: ‎01-17-2008

Re: Need a refresher

DoFD is date of first delinquency reported by the OC.  The CA also must use the same DoFD.  If it was never given to them they have to make a good faith effort to obtain it from the OC.  If they can't they are allowed to make up their own.  The date they use has to be before the acquired the debt.


If the debt is past the 7.5 years as defined in the FCRA, it cannot be listed on your CR.  If it is it is reaging and you would have to prove the DoFD.


With all that said, if the disputed collection aged off, no, a new CA cannot legally report it.


Yes, it is very common for a CA that owns a debt to assign it to another to collect.

Posts: 12,952
Registered: ‎04-15-2011

Re: Need a refresher



They can and often do shuffle debts between many CAs.  However this doesn't restart anything.  It goes by the DOFD from the OC so no matter what a CA does, they cannot legally reage the debt to reapply it to your CR.

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!

Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.