MEDICAL Collection Account - DOFD or Date of Service

[Anonymous]

I have searched this site but I see two different answers to this.   Do medical collections fall off 7 years from the DOFD or the Date of Service?  The DOFD is the only one that is reported to the credit bureaus.   

Mods - Any ideas?

[Anonymous]

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twt11 wrote:

I have searched this site but I see two different answers to this.   Do medical collections fall off 7 years from the DOFD or the Date of Service?  The DOFD is the only one that is reported to the credit bureaus.   

Mods - Any ideas?

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I was under the understanding that the DOFD is the Date of Service.

[Anonymous]

I would guess for medical it would be. If you went to the hospital on 10 Jul 1999 and never paid the bill, I would think it would fall off by Jul 2006, give or take 6 months.

[Anonymous]

I just spoke with an Equifax representative and she stated that if I pay this collection off today then it will remain on my report for 7 years from today.    This is so incredibly confusing.    You would think that an Equifax rep would know these things.............

[Anonymous]

(c) Running of Reporting Period (1) In general. The 7-year period referred to in paragraphs (4) and (6) 3 of subsection (a) shall begin, with respect to any delinquent account that is placed for collection (internally or by referral to a third party, whichever is earlier), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Message Edited by guiness56 on 02-27-2008 06:35 PM

Message Edited by guiness56 on 02-27-2008 06:36 PM