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
sloneg

0 Contributions
0 People Helped
Original debt date was reset by collection company. Is this reason valid enough remove this record?
I had some collection records on my credit report, which were originated few years ago, but definitely not in 2014. I just pulled my credit report from FICO, and just today paid attention that open date for 3 open collection is just December 2014.
I checked credit reports from few years ago, and found similar amounts to be collected but different "date open" and different account numbers.
Considering all this information:
1) Do i have a legal right to send validation letter?
2) Can i dispute it directly with credit bureau?
3) I was going to call NY Department of consumer division - is this necessary, will they give me any useful information?

Thank you in advance!

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
67 Contributions
13 People Helped

I would dispute it with both but I wouldn't worry about the "open" or any "delinquent date" as what really matters is the date of first delinquency from the original account.  That date (say your first delinquency started in March 2009 when you paid 30 days late and never made any payments after that) then technically that record will fall off seven years from that month/year.  Not when the collection agency posted your record to your report.

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.