Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Karma
Profile Image

Question By
jimster576

0 Contributions
0 People Helped
collections date
i have five things in collections and i wanted to see how accurate the dates are when they began collections... One of them says 2011 and i know the account was closed in 2008 and i havent spoken to anyone since then about the account

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
3051 Contributions
2791 People Helped

The "open" date that is showing is the date the collection company purchased the debt, not the date the original account was opened.  You can write to the collection agency and ask them "what is the date of last activity" or "what is the date the account became delinquent" to get a true start date for the credit reporting clock.  The rule is that unpaid collections fall off 7 years from the date they went delinquent; if paid, 7 years from the date it was paid off.  You can also send the same letters to all three credit bureaus, they'll send back more detailed information.  If you know who the original creditor was, you can write them and ask for a complete payment history as well.  All of these techniques work pretty well as long as you are persistent.  Best of luck!

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.