Collection from what date it falls off .

[Trigga]

Hello guys i was wondering if the (Date assigned) on my credit report for a medical bill which is Jan,2008  does that mean the 7 year mark to fall off is Jan,2015 ? 

[llecs]

Nope...it goes off the DOFD (date of first delinquency). If you pull your reports directly from the CRAs or annualcreditreport.com, you'll see DOFD listed within the EQ report. It usually isn't listed in EX or TU, but both EX and TU will list an est. date of removal.

[Trigga]

Can you see that same thing from freescore.com ? All i can see is date reported and date opened ...

[Anonymous]

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@Trigga wrote:

Can you see that same thing from freescore.com ? All i can see is date reported and date opened ...

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I do not believe you can, you will have to pull your FULL report/s directly from the CRA's or AnnualCreditReport.com.

[RobertEG]

If you cant get the actual DOFD from the credit report you are viewing, you can get the actual DOFD that was reported to the CRA by simply sending them a request for that information (or any other information in your credit file) under FCRA 609(a)(1).  They must provide any information reported to your credit file, provided you include the CRA processing fee, which is currently $11.00.

Take the DOFD on the OC account, add 180 days to that date, and that is the begin date for running of the 7 year period after which the collection can no longer be included in your credit report.

[Trigga]

Thx , Robert ill do that ..

[MarineVietVet]

But there is no reason to pay money. I've always found the drop off dates on the reports as being very accurate.

Reports from third party sites (includung myFICO) often don't have the most complete information. If you pull your free reports from annualcreditreport.com Experian and Transunion will have the drop off dates. The Equifax report will show the actual DoFD.

Save your $11 and get the same information for free.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[llecs]

Ditto...IME, mine have been very accurate with EX being slow or delayed in their deletion by no more than a month or two. IME, we've had a couple of baddies drop due to the 7-7.5 year CRTP and it's always been closer to or at the 7 yr mark vs. 7.5, despite the FCRA saying otherwise.

[RobertEG]

I would certainly agree that if the credit reports you get are providing an accurate expected exclusion date, then there is no need to pay $ to get the actual DOFD.

A better reason for getting the actual DOFD from the CRA would probably apply more in those situations where the expected fall off date is based on what a consumer considers to be an incorrectly reported DOFD.  All the CRAs can do is base their exclusion dates on the reported DOFD.  If a party provides an incorrect DOFD, and a consumer wishes to challenge its accurately, that may be the time to pay the $11, since you can get not only the date reported (609(a)(1)) but the name of the party who furnished it to the CRA (609(a)(2).

That information would provide the factual basis for disputing the accuracy of the reported DOFD itself, or its illegal re-aging.