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I have accounts posted as collections, I used to be able to see the date that they would fall off however, I no longer see anything like that. How will I be able to find the dates that they were originally opened so that I can calculate when they will fall off?
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |
Teh date that a debt collector reports their collection is irrelevant to its exclusion date.
The date of first delinquency on the OC account, referred to as the DOFD, determines the exclusion date.
Collections are excluded no later than 7 years plus 180 days from the reported DOFD, with the CRAs routinely excluding at approx 7 years.
Order your free report from annualcreditreport.com, which will normally show the reported DOFD.
@RobertEG wrote:Teh date that a debt collector reports their collection is irrelevant to its exclusion date.
The date of first delinquency on the OC account, referred to as the DOFD, determines the exclusion date.
Collections are excluded no later than 7 years plus 180 days from the reported DOFD, with the CRAs routinely excluding at approx 7 years.
Order your free report from annualcreditreport.com, which will normally show the reported DOFD.
If the CA doesn't furnish a DOFD (they should) the bureau will take the date of assignment as the DOFD so it's not entirely irrelevant unfortunately... though it is a legitimate dispute if this has happened to you especially if you have any sort of supporting documentation; didn't even get that far with TU they just airstruck it and moved on but it had already been paid anyway so the CA likely didn't care to fight it.
@RobertEG wrote:Teh date that a debt collector reports their collection is irrelevant to its exclusion date.
The date of first delinquency on the OC account, referred to as the DOFD, determines the exclusion date.
Collections are excluded no later than 7 years plus 180 days from the reported DOFD, with the CRAs routinely excluding at approx 7 years.
Order your free report from annualcreditreport.com, which will normally show the reported DOFD.
+1
@Revelate wrote:
@RobertEG wrote:Teh date that a debt collector reports their collection is irrelevant to its exclusion date.
The date of first delinquency on the OC account, referred to as the DOFD, determines the exclusion date.
Collections are excluded no later than 7 years plus 180 days from the reported DOFD, with the CRAs routinely excluding at approx 7 years.
Order your free report from annualcreditreport.com, which will normally show the reported DOFD.
If the CA doesn't furnish a DOFD (they should) the bureau will take the date of assignment as the DOFD so it's not entirely irrelevant unfortunately... though it is a legitimate dispute if this has happened to you especially if you have any sort of supporting documentation; didn't even get that far with TU they just airstruck it and moved on but it had already been paid anyway so the CA likely didn't care to fight it.
Lesson learned: keep copies of old credit reports as "proof" of dates and such. I have personal reports dating as far back as 2012. If any creditor/collector attempts to change, or re age negative info, I have it all on file!
Thank you all for chiming in, ordered a credit report. Luckily the dates were on there. Thank you again guys.