Collection Expiration

[rudy]

Is the date of first delinquency. The date to start counting off the seven year time period. I truely hope so

Agency Address: 801 S Waverly Rd Ste 100
Lansing, MI 489174200
(517) 886-5550 Date Reported: 12/2007  Date Assigned: 03/2002  Creditor Classification: Medical/Health Care  Creditor Name: INDEPENDENT EMERGENCY PHYSICIA  Account Number: 1877XXXX  Account Owner: Individual Account.  Original Amount Owned: $164  Date of 1 st Delinquency: 11/2001  Balance Date: 12/2007  Balance Owned: $0  Last Payment Date: 28/08/2002  Status Date: 12/2007  Status: P - Paid  Comments: Consumer disputes this account information, Medical

[Anonymous]

I believe you are correct.

[Anonymous]

So 11/2008 this will have to come off by law.

[Anonymous]

I have to wait till 2/2009 for a court judgment to come off, can't wait.

[SmartCookie]

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rudy wrote:

Is the date of first delinquency. The date to start counting off the seven year time period. I truely hope so

Agency Address: 801 S Waverly Rd Ste 100
Lansing, MI 489174200
(517) 886-5550 Date Reported: 12/2007  Date Assigned: 03/2002  Creditor Classification: Medical/Health Care  Creditor Name: INDEPENDENT EMERGENCY PHYSICIA  Account Number: 1877XXXX  Account Owner: Individual Account.  Original Amount Owned: $164  Date of 1 st Delinquency: 11/2001  Balance Date: 12/2007  Balance Owned: $0  Last Payment Date: 28/08/2002  Status Date: 12/2007  Status: P - Paid  Comments: Consumer disputes this account information, Medical

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What reason did you use for the dispute?  Will OC not GW this? Looks like this was pre-HIPAA but you can always investigate that for loopholes.