EE vs. just let it fall off

[Anonymous]

I have ONE FINAL collection notice on my report.

The "date opened" is Nov. 2012 -- so it will fall off in around 11 months.

Is there any benefit in just letting it fall off as opposed to asking for EE?

Thanks.

[Anonymous]

Is it reporting to all three bureaus?
You can request EE 6months early for tu, 3months for eq. Since it's your final derog you should see a nice score bump. I would do it as it can't hurt your score at all. ☺

[Brooklyn2018]

TU at 6 months from CRTP

EX at 3 months from CRTP

EQ at 1 month from CRTP

[RobertEG]

Date Opened is irrelevent to credit report exclusion of a collection.

The exclusion date is based soley upon the reported DOFD.

Exclusion must occur no later than 7 years plus 180 days from the reported DOFD, and the CRAs will usually exclude at 7 years.

The date of first delinquency on the account with the OC is always prior to the date that the collection was opened.

What is the DOFD?

[Anonymous]

Thanks RobertEG 

This is all I see -- I dont see a specific DOFD on this.  Take a look below (I have removed some of the personal details).

Thanks again.

ACCOUNT DETAILS

Account Name
Account #
Original Creditor
Company Sold	-
Account Type	COLLECTION
Date Opened	Nov 1, 2012
Account Status	Closed
Payment Status	Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status Updated	Feb 1, 2013
Balance	$377
Balance Updated	Dec 3, 2018
Original Balance	$228