I have two open collections. They are from accounts that went delinquent back in 2008. Im not being contacted by the CA.s for them. I paid off one collection in Feb of this year. The collection I paid in Feb was also from a delinquent account in 2008. It only shows as a collection 2/2012  Nothing before, nothing after. In other words I do not have 48 months of CO. Just 1 month with a CO, Feb 2012.