Progress report and a question

[Anonymous]

My progress so far

Experian
-disputed collection that isn't mine. Came back verified. Waiting on response from DV to CA before disputing again.
-disputed late pays on a school loan. Currently pending and due to complete 11/5.
-disputed incorrect address, work and name. Address and work were deleted. Have to send in copies of social security card and driver's license to get name fixed.

Equifax
-disputed school loan reporting a balance even though it's paid off. Updated to $0 balance.
-disputed incorrect name. Have to send in copies of social and driver's license to get it fixed.

Transunion
-disputed school loan reporting a balance even though it's paid off. Updated to $0 balance.

Collections
-sent DV on collection that isn't mine. I'm still waiting to hear back from them.
-sent PFD on one of my medical collections. I'm still waiting to hear back from them.
-called about my defaulted school loan. Set up payment plan to begin next month.
-sent DV to 2 other collections. If they verify, will send PFD.

Now my question.

One of my medical collections is scheduled to drop 12/08 with EX, 5/09 with TU, and 6/09 with EQ. I've noticed this on other things as well. I thought they could only report for 7 years past DOFD/DOLA. If that's so, then why aren't they showing the same drop date on all three CRs?

[SmartCookie]

Awesome work ncblondie!  Busy busy there eh?

Technically, the reporting SOL is 7.5 years so possibly they are just reporting it differently but accurately.  I would look into it if this is all for the same collection.  You are saying all 3 have the same DOFD/DOLA info?

If you aren't able to do something with them before next year, I would wait for the first to drop and then dispute the other 2 as too old to report.   Just make sure you are done applying for anything you have planned before you dispute... and then again sometimes it's worth it to wait a few months and let sleeping dogs lie.

[Anonymous]

Nothing like a time crunch to get you busy. Our car is about to give out so I'm trying to get my score up so we can get a new car before it dies.

It is all for the same collection account. EQ shows DOFD as 6/2002. TU didn't show DOFD but it did say it should fall off 5/2009 so I counted back 7 years and figured 5/2002 as DOFD. EX also didn't show DOFD, but it did say it should fall off 12/2008 so I figured 12/2001 as DOFD. I'm about 99% sure this is from 2002, which means EX is wrong, but I'm not going to argue with them since it's in my favor.

I have a couple more collections like this. I went back through my CRs and compared the estimated drop dates and it seems that EX drops first, then TU anywhere from a month to 5 months after that, and EQ a month after TU. It must be some quirk in the way they figure the estimated drop date.