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Collection Accounts.

Member

Collection Accounts.

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?


Starting FAKO Score 10/2012: EXP 403, EQU 457, TU 472
Current FICO Score: EXP 666 9/13, EQU658 9/13, TU 671, 9/13
Goal FICO Score: 725


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Message 1 of 7
6 REPLIES 6
Valued Contributor

Re: Collection Accounts.

I believe you can order your credit reports at like freecreditreport.com or one of those places, and the dates will be listed there.
                

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Message 2 of 7
Legendary Contributor

Re: Collection Accounts.

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.

Message 3 of 7
Moderator Emeritus

Re: Collection Accounts.


@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.




        
Message 4 of 7
Established Contributor

Re: Collection Accounts.


@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

Goal: 700's by 11/1/2015 (all baddies will be gone)
Message 5 of 7
Valued Contributor

Re: Collection Accounts.


@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! 


Current Scores 3/2016 Equifax 676 Transunion 697 Experian 648 Goal Scores: 720's accross the board. Gardening Goal: 3/2017
Message 6 of 7
Member

Re: Collection Accounts.

Thank you all for chiming in, ordered a credit report. Luckily the dates were on there. Thank you again guys.


Starting FAKO Score 10/2012: EXP 403, EQU 457, TU 472
Current FICO Score: EXP 666 9/13, EQU658 9/13, TU 671, 9/13
Goal FICO Score: 725


Take the myFICO Fitness Challenge
Message 7 of 7
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