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  • Jul 6th, 2016 10:21 am
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[OP]
Member
Jun 21, 2016
211 posts
54 upvotes

Collections Question

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!
6 replies
Jr. Member
User avatar
Apr 24, 2016
131 posts
43 upvotes
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/
Deal Expert
Aug 22, 2011
35617 posts
21673 upvotes
Center of Universe
with Equifax, it's 7yrs.
Banned
Mar 11, 2016
2081 posts
865 upvotes
yes Equifax will be 7 yrs since last item
Newbie
Jun 29, 2016
14 posts
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.
[OP]
Member
Jun 21, 2016
211 posts
54 upvotes
The collection is now off of both reports and my score jumped 30 points because of it.
Deal Fanatic
User avatar
Feb 19, 2010
6237 posts
2971 upvotes
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. :eek:

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