Established Contributor
Posts: 760
Registered: ‎02-11-2012
Re: How to accurately age a collection?

If your are referring to the two year aniversary of the collection, it would be 12/2012.That was the date you said it was "assigned". However as stated earlier, that usually is not the date that would initially effect your credit score. If you are talking about the aniversary of the debt, that would be the dofd.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)

Remember the Three P's: Pay early in Full, Pay on Time, Patience