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dollie1sun

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The 'Open Date' on a medical debt is 2.5 YEARS later than debt occurred
I incurred a medical bill 6/10 that the facility refused to negotiate on. When I checked my report, the "open date' listed by the collection agency they gave the account to lists 1/13. If you use the original date, the account is 6.5 years old now. But if you use the collection agency's date it's only almost 3 years.
Which date do they have to go by? Can they just keep reselling the debt to keep it on my credit? I am in FL, haven't checked specific laws yet.

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The "open date" from Collection Agency is when they received the collection authority on that debt, it has no influence on the 7 1/2 years reportable period on your credit reports, which goes by the Date a Of First Delinquency and that date dose NOT change or goes by any other date.

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You'll have to check state laws on it, but there was an outfit called LVNV that pulled a stunt like that to make sure it never fell off your credit report (even after Statute of Limitations had expired). Not sure if they were busted for it or not, or if any of that has changed, but it has happened (and likely still happens).

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