Original Collection Date Q & A


Can a creditor report to the 3 credit bureau’s an opening date that’s 6 years old. They dated a 6 year old debt as an opening date of 2010 instead of 2004.

Guthrie, FL


Hi Guthrie, I see this all the time. Especially if you have collections on your credit report that get sold to other collection companies. The  date opened comment seems to get messed up quite frequently. Yes, they are suppose to report the original date you opened the credit card. You can call the creditor and have them update this information correctly with the credit bureaus. If a call does not correct the open date comment on your report, you can dispute this information with the credit bureau that is reporting this information wrong.


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