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kj26sjm

Is the Collection Agency re-aging this debt?

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I'm new here but have a question regarding my husband's credit report. We've been trying to build our credit up in hopes of being approved for a home in the near future. 

 

Since we've had a credit karma account and an Experian account to monitor our 3 reports, he has had a medical collection added this year to all 3. This collection is coming from a ER visit 2-3 years ago. 

 

Credit karma does not list a "fall-off" date but does have an "open date" of July/2019. Through our Experian report it has a "fall-off" date of 2026 (7 years from the "open date" that's listed. 

 

My understanding is the "fall-off" date should be 7 years after the first delinquency (nothing was ever paid towards the bill so it  should have became delinquent the same year or the next from the hospital visit, depending on the month the visit took place). 

 

If this visit was, say May 2017, should the "fall-date" not be somewhere around Dec. 2024? Our confusion is coming from the "fall-off" being seven years from the time the Collection Agency bought the debt. 

 

Can anyone clear this up for me please. Sorry for the long post, just hoping I explained clearly enough. Thank you all!

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Follow the guides (for both yourself and your husband;

https://whychat.me/GUIDEBOOK.html

https://whychat.me/GUIDE HIPAA PROGRAM.html

 

Send the initial dispute letter to the CRAs listing ALL medical accounts as they appear on the report you are disputing.

https://whychat.me/hipaadisp.html

 

If you had insurance for the time period of the medical visit try to get your EOMBs from your insurance Co.

The obsolescence date is determined on medical accounts by the date of medical service NOT the date the CA obtained the account. The reported account may not belong to your husband, it may be a medical visit he doesn't remember or it may just be an account obtained by a JDB (junk debt buyer) for someone with a similar name.

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