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Question By
mercer

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Date opened vs date of first Delinquency
A collection on my credit report shows my open date as 2013 but a date of first delinquency as 2011. How is that possible?

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The 'open" date was when that particular collection agency received the collection authority on that debt, and it has no relevance to the removal Date (DOFD).

Reply by
JAstor

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This reminds me, when the bureau does not specifically state (only my TU report does), how can you determine the date of removal??

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Reply by
JohnnyRain127

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The Date Of First Delinquency and or the removed date usually list on the credit reports that pulled directly with each Creduf Bureaus. You are entitled to one such report for free every 12 months, or you can call each Credit Bureaus to find out the removal date... Per FCRA 623 (a)(5), the reporting party need to provide the DOFD with-in first 90 days.

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