Time Limits for collections

Mm587 · ‎02-20-2015

I have been improving my credit score from about 550 to about 720. Recently it dropped quite a bit and when I ran a report i discoverd two new collection accounts. How does the 7 year timeframe work? one of the collection accounts says that the date assigned is ug 2014. I have not had AT T Uverse for more than 7 years and for some reason it popped up last fall. I didnt even know about this debt. Also, I disputed with the CB and there is a note that says consumer disputes the account information, but nothing else. Any ideas? thanks

tonyjones · ‎02-20-2015

@Mm587 wrote:
I have been improving my credit score from about 550 to about 720. Recently it dropped quite a bit and when I ran a report i discoverd two new collection accounts. How does the 7 year timeframe work? one of the collection accounts says that the date assigned is ug 2014. I have not had AT T Uverse for more than 7 years and for some reason it popped up last fall. I didnt even know about this debt. Also, I disputed with the CB and there is a note that says consumer disputes the account information, but nothing else. Any ideas? thanks

Are you sure those two collections are not your debt? Can you post more info?

The SOL for any collection agency to report it is 7.5 years from DoFD, if it's within that timeframe they are allowed to report it. SOL only means they can't sue you anymore, at least in California I know that.

Current Fico Scores: (November 2025)

takeshi74 · ‎02-21-2015

@Mm587 wrote:
Also, I disputed with the CB and there is a note that says consumer disputes the account information, but nothing else.

Try researching in the Rebuilding subforum and using other resources as well. There's not enough in your OP to really help you and much information would be needed.

RobertEG · ‎02-21-2015

Collections become excluded based only on the date of first delinquency (DOFD) on the OC account.

The DOFD is the date the consumer first became delinquent, with the delinquency contnuing until the debt was assigned for collection or sold to a debt collector.

The credit report exclusion date is no later than 7 years plus 180 days from the DOFD.

That is a single, date-certain that is totally independent of when the debt collector obtained collectin authority, or any activity with the debt collector.

A debt collector is required to report the DOFD to the credit reporting agency within 90 days after reporting their collection, so the DOFD will be of record in your credit file.

Many commercial credit reports fail to include the reported DOFD. You can usually obtain the reported DOFD from credit reports available through annualcreditreport.com or ordered directly from the CRAs.

Once you have the reported DOFD, if it is less than 7 years plus 180 days ago, then the CRA can properly continue to include the collection in credit reports they issue.

If you contest the reported DOFD, you can submit a dispute accompanied by your documentation, such as old billing records, establishing an earlier DOFD.

If the reported DOFD is more than 7 years plus 180 days ago, then the CRA is clearly at fault if they are continuing to show the collection in credit reports they issue.

That would be a direct violation of FCRA 605(c).

Mm587 · ‎02-21-2015

@RobertEG wrote:
Collections become excluded based only on the date of first delinquency (DOFD) on the OC account.
The DOFD is the date the consumer first became delinquent, with the delinquency contnuing until the debt was assigned for collection or sold to a debt collector.

The credit report exclusion date is no later than 7 years plus 180 days from the DOFD.
That is a single, date-certain that is totally independent of when the debt collector obtained collectin authority, or any activity with the debt collector.

A debt collector is required to report the DOFD to the credit reporting agency within 90 days after reporting their collection, so the DOFD will be of record in your credit file.
Many commercial credit reports fail to include the reported DOFD. You can usually obtain the reported DOFD from credit reports available through annualcreditreport.com or ordered directly from the CRAs.

Once you have the reported DOFD, if it is less than 7 years plus 180 days ago, then the CRA can properly continue to include the collection in credit reports they issue.
If you contest the reported DOFD, you can submit a dispute accompanied by your documentation, such as old billing records, establishing an earlier DOFD.

If the reported DOFD is more than 7 years plus 180 days ago, then the CRA is clearly at fault if they are continuing to show the collection in credit reports they issue.
That would be a direct violation of FCRA 605(c).

Thank You very much!!