Please help clarify for me

[currentlywinning]

I disputed a paid medical collection. The wench I spoke to at the CA said that it was due to fall off, but its been updated! It now says "collection as of 2/2012". Did this hurt my score? Does FICO see it now as a more recent account? And WHEN will it fall off??? The lady (and I use that term LOOSELY) at the CA is a bitter, nasty, ill tempered creature. No reason to be so mean...but anyway, did she just bend me over? LOL

[Anonymous]

The last update date is irrelevant. The only date that matters is the DOFD. There is no indication they have changed that and doing so would be an egregious violation of the FCRA.

[currentlywinning]

Thanks for responding. I dont trust this lady one bit. But the 2006 date remains the same.

[llecs]

Don't hold back!      We should solicit someone to write a book: CA Reps and Other Reptiles.

If listed as a CA, it won't hurt your FICO. It'll fall off 7-7.5 years from the DOFD. DOFD for medical is the date of service.

ETA...I'm a slow typer.

[rckstrscott]

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@currentlywinning wrote:

I disputed a paid medical collection. The wench I spoke to at the CA said that it was due to fall off, but its been updated! It now says "collection as of 2/2012". Did this hurt my score? Does FICO see it now as a more recent account? And WHEN will it fall off??? The lady (and I use that term LOOSELY) at the CA is a bitter, nasty, ill tempered creature. No reason to be so mean...but anyway, did she just bend me over? LOL

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You really need to check the DOFD on the report directly from the agency. Sometimes the commercial reports jumble up and confuse information. The legally cannot re-age the account.  Updated usually just means the account informaiton has been updated (new balance, settled, new comments) but it shouldn't have any impact on when it falls off..

-scott

[currentlywinning]

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@llecs wrote:

Don't hold back!      We should solicit someone to write a book: CA Reps and Other Reptiles.

If listed as a CA, it won't hurt your FICO. It'll fall off 7-7.5 years from the DOFD. DOFD for medical is the date of service.

ETA...I'm a slow typer.

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LOL!!!!! Yes!

Thanks again guys, we have to keep a watchful eye!!!