collection on CR

[luckyashes04]

I am wondering.....I paid a collection agency a few weeks ago, they have not reported it to the CRA'S yet. ( hopefully they won't). But if they do report it.. will the date that an UW looks at will it be the date that they got the debt or the date from the original deliquency which was in 2008? It was a medical bill for $125 and I settled it for $75. We are in the mortgage process right now and I am praying that they don't send it to the CRA because they haven't so far.

[DaBears]

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@luckyashes04 wrote:
I am wondering.....I paid a collection agency a few weeks ago, they have not reported it to the CRA'S yet. ( hopefully they won't). But if they do report it.. will the date that an UW looks at will it be the date that they got the debt or the date from the original deliquency which was in 2008? It was a medical bill for $125 and I settled it for $75. We are in the mortgage process right now and I am praying that they don't send it to the CRA because they haven't so far.

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If they haven't reported it yet I wouldn't worry to much about them reporting it now. 

[guiness56]

IF they report it it would be neither of those dates.  It would be the date reported.