Question about Collection on my TU Report

Viper786 · ‎02-26-2012

I have a medical collection from late 2009 on my reports and on my TU it says:

Loan Type: COLLECTION AGENCY/ATTORNEY

Date Placed for Collection: 07/06/2009

Date Updated: 06/03/2011

Estimated month and year that this item will be removed: 12/2015

How accurate is that date? I thought it takes 7 years for something to be removed, in this case 7/6/2016?

Lois5669 · ‎02-26-2012

Was the original date of the medical bill from 2008? If it was and you never paid, then it is going from that date I think. The date it was placed for collection is irrelevant.

Starting Score: EQ = 550; TU = 491(2/10/12)
Current Score: EQ = 669; TU = 674(6/20/14)
Goal Score: 700+

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Anonymous · ‎02-26-2012

@Viper786 wrote:
I have a medical collection from late 2009 on my reports and on my TU it says:

Loan Type: COLLECTION AGENCY/ATTORNEY
Date Placed for Collection: 07/06/2009
Date Updated: 06/03/2011
Estimated month and year that this item will be removed: 12/2015

How accurate is that date? I thought it takes 7 years for something to be removed, in this case 7/6/2016?

If I'm not mistaken, the date of removal goes by the DoFD not the date placed for collection, so I would speculate a guess that the DoFD was 12/08.

Hopefully someone with more experience with this will chime in and give you a more solid answer.

Best of Luck.