When will this collection come off my report?

[Anonymous]

Collection on debt to: Not Reported

The collection agency "613yc00000" was hired to collect a debt of $164 originally owed to "Not Reported" on account number "XX3009".

Collection agency [?] Original balance [?] Current balance [?] Status [?] Date assigned [?] Date reported [?] Date last active [?] Date paid [?] Date closed [?] Original lender [?] Account number [?] Type of account [?] Account holder [?] Type of credit [?] Payment status [?] Largest past balance [?] Amount past due [?] Account descriptions [?]

613yc00000

$164

$0

Paid

Feb 01, 2005

Dec 01, 2008

Jul 01, 2004

Not Reported

Not Reported

Not Reported

XX3009

Not Reported

Individual

Not Reported

Not Reported

Not Reported

Not Reported

Not Reported

[Anonymous]

I don't know why it copied that way but the date it was assigned was 2/1/05, reported 12/1/08, and last active 7/1/04.  It would be great if someone could help me figure out when this is going to come off my report.

[SunnyDaze77]

7 1/2 years from the DOFD for a collection to fall off.  You can call the CRA and get the DOFD.

[llecs]

To add, you'd need to pull your reports directly from the CRAs to get more info. EQ will list DOFD. TU and EX will list drop off dates. Those reports should also mention the OC's name.

[Anonymous]

Now on my EX it does not list a drop off date. It says under account.."collection as of June 2004" for example. Does this mean 7.5 years from this date? Thanks..

[guiness56]

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@Anonymous wrote:
Now on my EX it does not list a drop off date. It says under account.."collection as of June 2004" for example. Does this mean 7.5 years from this date? Thanks..

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No, it is 7.5 years from the DoFD.  Date of First Delinquency. 

Is your report directly from EX?

[Anonymous]

Yes. Just printed one off today. It has date opened, reported since, date of status, and last reported. But, no DoFD. Like I said under account history it states "collection as of june 2004." So how do I figure out the DoFD?

[guiness56]

The report gives you the opportunity to dispute accounts.  Go to that account and click on dispute, or where ever the dispute button is.  When the report or account comes up it should show somewhere something that says "This is scheduled to remain until XXXX".  Once you find that date, exit out of it. 

I am not telling you to dispute, just where you can find the date.

[Anonymous]

guiness~ I just tried your suggestion to no avail. When I hit dispute it just showed a box with generic dispute titles and listed nothing about the account. Any other suggestions? Thanks..

[Anonymous]

I think I stole this thread. I apologize OP. Anyways, I just got off the phone with Experian. They were very helpful. Also gave me my DoFD for ALL my accounts. The one I was referring to actually had a DoFD of Jan 2004..so will fall of this Jan..woohoo! Why do they have to be so secretive about these dates?