The twelve month clock starts from when you apply. So say you apply June 5, 2013. It would go back to June 5, 2012.
You'll be able to get the collection removed if you try everything you can.
STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
