Collections Question

bobo709 wrote: ↑I have one item in collections on my credit reports. Based on the dates, will it be removed next month?

EQ:
1. 12/15: date collection was reported
2. 07/10: date of last payment

TU:
1. December 19, 2015: assigned
2. April 30, 2016: reported
3. July 22, 2010: first date of delinquency


Thanks!

If this page is correct Equifax is 6 years from date of last activity like a payment (2015 for you) and TransUnion is 6 years after the first missed payment (2010 for you)
https://www.ratesupermarket.ca/blog/how ... edit-stay/

with Equifax, it's 7yrs.

yes Equifax will be 7 yrs since last item

Its after 6 years equifax not 7
Boh equifax and TU is 6 year

I got collection account since june 2010 i called equifax they told me june 01 2016 the collection will erase automatictly erase from my credit bureau.

It was true, i checked my credit bureau on equifax.ca june 02 2016 exactly 6 years after and it has been erased.


If you call them they can tell you the exact date me it was june 01 2010 and 6 year day for day he collection left my credit bureau.

The collection is now off of both reports and my score jumped 30 points because of it.

bobo709 wrote: ↑The collection is now off of both reports and my score jumped 30 points because of it.

Imagine how much higher your score could be if you paid your bills.