Hello,
so I have been reading these boards daily (and quite heavily I might add lol), and seem to remember that baddies remain on CR for 7-7.5 years. Does this also apply to medical collections?
I have one collection account which was listed as reason #1 on why my FICO score was low. I was going to send a DV letter to NCO, and then see if I can PFD (if it comes back verified), however when I looked at my EQ report, I see the DOFD is in 6/2005. Does that mean this should fall off this year sometime (I'm not sure when the 7 yrs apply or when the 7.5 apply)? Also, do things usually fall off automatically?
FYI, I live in CA but the debt occurred in GA.
Edited to add that NCO is the CA.
Here is the info:
Date Reported: 01/2006
Date Assigned: 12/2005
Creditor Classification:
Accounts Number: 51XXXXXX
Account Owner: Individual Account.
Original Amount Owned: $294
Date of 1 st Delinquency: 06/2005
Balance Date: 01/2006
Balance Owned: $294
Last Payment Date : N/A
Status Date: 01/2006
Status: D - Unpaid
Comments: Medical
