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Cxw0909

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What is the open date
Is the open date the original date or the date that it was sold to that particular debt collector? I thought it was the original date, but my report is showing open dates in 2016 for companies that I have not dealt with in 5+ years.

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The "open" date for collections simply means when that particular collection agency brought the debt or received collection authority and reporting for the first time. The length of time an charge-offs or collections can be included on your credit reports are 7 years plus 180 day from Date Of First Delinquency, it dose not go by any other dates, and it can not be restarted for any reasons, if you aren't sure when is the DOFD? Give each Credit Bureau a call. Credit Bureaus routinely remove them in 7 years, you can also ask for "early exclusion", depends on Credit Bureaus, any where from 1 to 6 months before the 7 year mark.

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