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
MzCLJ

1 Contribution
0 People Helped
The date of last activity/ last reported changed although I haven't spoken to the collection agency.
The date of the last activity/ last reported has changed from May 2012 to Sept. 2016 (after 4 years of no activity/update on credit report). I haven't spoken nor made a payment to the collection agency to report activity on my account. Does this date affects my credit fall off date, SOL, or etc? My Open date is still the same Mar. 2012.

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
986 Contributions
544 People Helped
Most Helpful Response

Helpful to 2 out of 2 people

The removal date for collection account goes by 7 1/2 years from Date Of First Delinquency, it dose not go by any other date, not go by when it's opened, not go by when the collection agency update/report it and that date (DOFD) do NOT change regardless, unless you are in State of New York, the paid collections supposedly only  last 5 years (have to get that in). The "SOL" generally refers to the length of time creditors can sued you for that debt, and not the length time it can be on your credit report. 

Top Contributor

Reply by
JohnnyRain127

986 Contributions
544 People Helped
Helpful to 2 out of 2 people

Oooops I missed the period between fall off date and SOL... Its still a no, it makes no differences to fall off date. The SOL could change if you have made payments or enters an repayment agreement then you stop paying it, that can be seen as brand new contract, but nothing changes the reportable/fall off date.

Reply by
MzCLJ

1 Contribution
0 People Helped

thank you

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.