Collection back with new CA but date is different

[Anonymous]

Verizon was reporting closed - date: November 21st, 2015. 
I disputed and it was deleted in 2020.
It came back with Jefferson capital today....but the date is dated October 27th 2020. 
Is this allowed or do I need to dispute or something for the date to be accurate?

Only took 6 points off my credit score, but still want it resolved if this is wrong. 

Thank you in advance!

[Cowboys4Life]

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@Anonymous wrote:

Verizon was reporting closed - date: November 21st, 2015. 
I disputed and it was deleted in 2020.
It came back with Jefferson capital today....but the date is dated October 27th 2020. 
Is this allowed or do I need to dispute or something for the date to be accurate?

Only took 6 points off my credit score, but still want it resolved if this is wrong. 

Thank you in advance!

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The date that Jefferson has is most likely the date they received the collection from Verizon.  That date will be different from any previous CA that had the account.  It has zero affect on the date of default that gets it deleted from your bureau reports.  If Verizon is reporting closed 11/2015 then it can be on your reports until 11/2022.

[Anonymous]

Thank you! 
How do the bureaus know the original default date (how do they know it needs to be removed 2022)?  Just wondering since Verizon negative was deleted. 
thank you again! 

[simplegirl]

They have to let the Credit bureaus know the date of first delinquency automatically when they report negative information. So Jefferson capital open date has nothing to do with the date you first went delinquent. Also Jefferson capital deletes after settlements because I recently had a collection with them for Verizon for $1086 and settled for $598 in December of last year and they have since been removed. Also defaulted with Verizon in 2017.

[Anonymous]

Thank you! 
good to know because I asked if I paid it (they hadn't reported yet) would they not report and they said no, but they would update to paid. 
I told them that does me no good to have a paid collection, I need it deleted and they told me to bad basically. 

[simplegirl]

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@Anonymous wrote:

Thank you! 
good to know because I asked if I paid it (they hadn't reported yet) would they not report and they said no, but they would update to paid. 
I told them that does me no good to have a paid collection, I need it deleted and they told me to bad basically. 

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The other collection agency or Jefferson? Because Jefferson has it stated on their website also when I got notice of the collection with them before they reported the letter stated they don't report until having the collection for 90 days I think or maybe 60 can't remember. But I ignored it anyways because I was refusing to pay anything not already on my report. Not the best logic but did it anyways.

[Anonymous]

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@Anonymous wrote:

Thank you! 
How do the bureaus know the original default date (how do they know it needs to be removed 2022)?  Just wondering since Verizon negative was deleted. 
thank you again! 

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Pull all 3 of your credit reports from annual credit report. It is free to pull them weekly thru 4/2021 (no scores).

These are the most comprehensive reoprts around and will tell you when they will age off.

TU will list "estimated date of removal".

EX will list "on record until" (which will likely be 2 months earlier than TU & EQ since they build in 2 months of early exclusion into that date)

EQ will list "date of first delinquency" (not the also listed "major delinquency first reported"). This is your actual DoFD for the account. Add 7 years to that date and it should age off EQ 1 or 2 months prior to then.

[Anonymous]

It was Jefferson I spoke with. 
I'll probably call in a month or so and offer pay for delete. 
it's done me good on other accounts asking multiple times, so I'll try that again!

[Anonymous]

Great idea! I actually pulled my report Thursday on there, so I'll pull it again in a few days and see what it says. I didn't even think about that.

thank you!