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 Report
Profile Image

Question By
ThurmanTheMerman

0 Contributions
0 People Helped
Medical Bill in collections
I have a medical bill in collections. It's from an emergency room visit in June 2012 and its for $381. It's showing an "opened" date with TU & EQFX of June 2013. I'm unsure of why there's a 1 year difference, but that's what it says. Long story short, I'd like it gone. However, I've read conflicting information on long it takes for these marks to fall from a credit report: 4 years, 7 years, NEVER (seriously). So my question is: if it does fall off, when does it happen? Is it worth trying to negotiate with the debt collector, or should I just wait it out at this point? Any wisdom is greatly appreciated. Thank you!

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

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
7362 Contributions
3808 People Helped

Instead of what you have heard, find out what really will happen and why.  Take the time to read the articles here so you can learn how credit really works.  Helped me a lot, so will help you, too.

Top Contributor
996 Contributions
552 People Helped

Officially per FCRA 605(C)...


  1. (1)  In general. The 7-year period referred to in paragraphs (4) and (6)6 of subsection (a) shall begin, with respect to any delinquent account that is placed for collection (internally or by referral to a third party, whichever is earlier), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which imme- diately preceded the collection activity, charge to profit and loss, or similar action. ​

​-

In short, it's 7 1/2 years from the Date Of First Delinquency, Credit Bureaus would routinely remove collections in 7 years. The DOFD dose NOT change, paid or not, you contact the collection agency or not, not from when the collection was opened. You can call each Credit Bureaus to find out when was the DOFD or the date it's due to be removed, and it should also be on your credit reports when you pulled directly from Credit Bureaus.

Results 1-2 of 2Results 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.