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fran6868

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collection account from 2009 taken off in 2012 re-added in 2015 with new reported date of 2014
There was a collection account from 2009 that was originally reported in 2010. It was taken off my credit report in 2012. Now it is on my credit report again with a new reported date of 2014. Will this stay on my credit report for 7 years from the new reported date or is it 7 years from the actual service in 2009? The service was from a surgery I had in 2009, the new collection account isn't even for the right hospital? I'm also in the process of a home loan, should I try to dispute this?

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Yes dispute it.. Just simply write the credit bureaus reporting the item and ask them to check the validity of the account. Or you can just simply state what you feel is incorrect. They must provide accurate proof or it must be removed within 30 days. You can also do an online dispute if you are pressed for time....

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