topic Re: how to get collection removed from equifax in Rebuilding Your Credit

how to get collection removed from equifax

newcredit — Thu, 05 Feb 2026 16:08:27 GMT

hello it has been a long journey rebuilding my credit recently a lot of negatives have fell off, but Equifax is still reporting a collection from credit corp which was removed from tu and ex...How do I get this removed? it has been 7 years since dofd... contacted equifax they were no help and kind of rude .. please help thank you

Re: how to get collection removed from equifax

Cowboys4Life — Thu, 05 Feb 2026 17:24:36 GMT

I would start with CreditCorps and make sure they removed it. Removal comes from the creditor 90% of the time. You could dispute it but if your removal is not based on settling/paying i.e. Pay For Delete then disputing could cement it to your EQ report instead of removing it if they verify the collection.

Why is it supposed to be removed?

Re: how to get collection removed from equifax

newcredit — Thu, 05 Feb 2026 18:43:15 GMT

@Cowboys4Life thank you for response...... so when you say 'cement' you mean it will be there regardless of the 7 years?

Re: how to get collection removed from equifax

Stuart89 — Fri, 06 Feb 2026 01:12:41 GMT

It’ll be there for seven years unless it’s inaccurate and you dispute it, or the collection company does you a favor. Once paid, it shouldn’t affect your credit score though.

Re: how to get collection removed from equifax

newcredit — Fri, 06 Feb 2026 01:35:02 GMT

@Stuart89 it has been over 7 years

Re: how to get collection removed from equifax

LIGHTNIN — Fri, 06 Feb 2026 01:45:02 GMT

Hi and Welcome to the fourms.

What is the DOFD, from your CR?

Did you make any payments since the DOFD?

Re: how to get collection removed from equifax

newcredit — Fri, 06 Feb 2026 05:44:28 GMT

@LIGHTNIN thanks for the response .... it does not show my dofd.. it only shows the date the collection was open ... but i seen them on my transunion that the dofd from original card has been 7 yrs but cant see it anymore because this accout has been removed from both TU and Ex... this all happened just currently so hopefully they are just slow getting to it

Re: how to get collection removed from equifax

Seatac — Fri, 06 Feb 2026 08:05:23 GMT

Just an FYI the reports we get from MyFico or TU, EX, AND EQ DIRECTLY

don't typically show a DOFD.

To get that information get your Free Annual Credit Reports from

The one and only legitimate place you can get them. Anything else offering

You your Free Annual Credit reports is a scam or is providing Vantage scores

For a price.

On your Free ACRs each Bureau phrases it differently so scam the collection for the below phrasing.

TU says: EST. MM/YYYY this will be removed
EQ says: Date of 1st Delinquency
EX says: This Acct is scheduled to continue on record until

If you are going for Early Exclusion Ex and EQ NEED to be done over the phone. TU can be done online.

Additional data is that each one has a different policy on WHEN they might do an EE. They are not required to EE, it is a courtesy.

TU CAN DO 6 months early online

EX CAN DO 90 days early

EQCAN DO 30 days early

Good Luck

Re: how to get collection removed from equifax

newcredit — Fri, 06 Feb 2026 13:11:02 GMT

@Seatac thank you for responding... yes i actually found it it says DOFD from original creditor is 4/11/2019 .. maybe i should be more patient lol

Re: how to get collection removed from equifax

Seatac — Fri, 06 Feb 2026 15:01:20 GMT

@newcredit patience is always a good thing... 😂

Question for you, when you say "it", what exactly are you referring to?

Hopefully it is your Free Annual Credit Report.

Further info for you the DOFD NEVER legally changes unless you make a payment/ bring the debt current.

If a creditor or debt vulture tries to change it that is illegal and you can sue.

The go>d news is with a DOFD of 4/11/2019 you're almost at the finish line.

This is Fed 2026, so 30 odd days from now they "should" automatically fall off.

Can your new found goal of patience work until they do fall off? If not remember EQ is not the most responsive in the area according to many many data points

Good Luck. Let us know what happens! 😁

Re: how to get collection removed from equifax

newcredit — Fri, 06 Feb 2026 15:24:36 GMT

@Seatac thats true haha.... and thats what i see on equifax app...had many charge offs and its been a long journey of rebuilding and it is coming to that time where they are all due to fall off went from a 550 not even being able to get approved for a creditone to a 720 amd actually have some decent cards with decent limits now. so far eq been removing them timely but im just excited 😂 had about

4-5 charge offs (will never do that again) but this is the last one remaining.. so i just seen the dofd is 4/2019 so hopefully theyll remove it in march 🤷‍♂️ and no i never contacted them once

Re: how to get collection removed from equifax

Seatac — Fri, 06 Feb 2026 15:25:59 GMT

👍 👍 👍 👍 👍

Re: how to get collection removed from equifax

vntrsc — Sat, 07 Feb 2026 12:32:06 GMT

@Seatac wrote:
@newcreditpatience is always a good thing... 😂

Question for you, when you say "it", what exactly are you referring to?
Hopefully it is your Free Annual Credit Report.

Further info for you the DOFD NEVER legally changes unless you make a payment/ bring the debt current.
If a creditor or debt vulture tries to change it that is illegal and you can sue.

The go>d news is with a DOFD of 4/11/2019 you're almost at the finish line.
This is Fed 2026, so 30 odd days from now they "should" automatically fall off.

Can your new found goal of patience work until they do fall off? If not remember EQ is not the most responsive in the area according to many many data points
Good Luck. Let us know what happens! 😁

It's true that "the DOFD NEVER legally changes unless you make a payment/ bring the debt current".

It should also be noted that once an account is charged off, the DOFD can never be changed. A payment made after charge-off cannot change it, and a charged off account can never be brought back to a current status.

Re: how to get collection removed from equifax

MichaelMyer — Sat, 07 Feb 2026 22:06:46 GMT

So making a payment on a past due account changes the date of first delinquency?

Re: how to get collection removed from equifax

LIGHTNIN — Sat, 07 Feb 2026 23:14:53 GMT

@MichaelMyer wrote:
So making a payment on a past due account changes the date of first delinquency?

The DOFD can not be changed. The DOFD is the starting date, when a negative item can be removed from a CR.

But DOLP is the starting clock for your states statute of limitations (SOL). That's the time period a creditor/CA can sue and win. Most states SOL are 6 to 7 years.

CRTP credit reporting time period and states SOL are 2 different things, that offen get mixed up. But don't worry, there's always someone here to answer y'all questions. 😉

Re: how to get collection removed from equifax

vntrsc — Sun, 08 Feb 2026 13:05:14 GMT

@MichaelMyer wrote:
So making a payment on a past due account changes the date of first delinquency?

No. The DOFD is based on a "delinquency". A payment is not a delinquency.

Let's say you have an account that is current, but then you miss a payment. A date of delinquency is created based on the date the account became delinquent.

Your next credit card statement will tell you the minimum amount needed to bring the account back to a current status. If you make a timely payment in the stated amount, your account will become current again.

Note that the payment will not change the DOFD. Again, the DOFD is based on the date you became delinquent.

If after bringing the account back to a current status, you miss another payment, that missed payment causes your account to become delinquent again. THAT is what will change the DOFD. Because the account was current, the missed payment created a new date of delinquency.

Once an account is charged off, the DOFD cannot be changed. Only current accounts can become delinquent. A charged-off account is permanently delinquent. Making payments on a charged-off account (even paying it in full) can never bring it back to a current status. Therefore, it can never have a new date of delinquency.

Re: how to get collection removed from equifax

Seatac — Fri, 06 Mar 2026 16:06:02 GMT

@newcredit sorry about the late reply.

it's now Mar...did that last one go away yet? hope for you it did.

I look forward to hearing your journey of clean up has paid off and is over for you.

Re: how to get collection removed from equifax

Seatac — Fri, 06 Mar 2026 16:15:10 GMT

hey @vntrsc sorry about late reply.

yeah the DOFD should never change. sadly that does not stop vultures like lVNV from trying sometimes.. if you check out my other recent posts including from today you can see I am helping an old veteran deal with them and they have reported the same account to each CRA with a differnt DOFD. none of which are right but 2 are way early and 3rd one is only a month later than it should be. Further this is an account from NFCU that LVNV says they bought but wierdly NFCU reported as Closed in Good Standing 0 bal owed (this was a PLOC)

we know it is a wrong reporting but LVNV is not stupid or disorganized so that leaves intentionally F'ing with him.

LNVN has done some screwy stuff like sue in in 3 different counties,1 for each account, let all suits die without serving him, then refiling the next year is 3 different counties (swapping accounts around) and trying again. They have been doing this since 2022.

in Dec 2025 they finally starting sending him emails that say Hey we cant sue you would you like to pay us ANYWAY? derp derp derp.