I have a question. Is the DATE LAST ACTIVE the date I follow for the 7 year mark to have this fall off my credit report? Or do they go by date reported? Collection on debt to: Gmac Llc
The collection agency "606yc13027" was hired to collect a debt of $2,739 originally owed to "Gmac Llc" on account number
Collection agency [?] 606yc13027
Original balance [?] $2,739
Current balance [?] $4,299
Status [?] Unpaid
Date assigned [?] Dec 01, 2007
Date reported [?] Jan 01, 2009
Date last active [?] Mar 01, 2003
Date paid [?] N
ot Reported Date closed [?]
Not Reported Original lender [?]
Gmac Llc Account number [?] T
ype of account [?]
Not Reported Account holder [?]
Joint Type of credit [?]
Not Reported Payment status [?]
Not Reported Largest past balance [?]
Not Reported Amount past due [?]
Not Reported Account descriptions
[?] Not Reported
Starting Score: 557
No, you'll want to find the date of first delinquency. DOFD. This is the first late payment or deragatory notation on the account. The date of last activity you listed is March 2003, so the DFOD is probably a little before that or very close to that date.
