7yrs from DOLA or from DOFD

[grn910]

Im confused as to which accounts stay 7yrs from date of last activity & which ones stay 7yrs from date of first deliquency.

[Trish]

It's always 7 years from the date of first delinquency (DOFD)
DOLA and DOFD can sometimes be in the same time frame.......but not always..........so technically, it's the DOFD.

[grn910]

I had a medical bill I was deliquent on, then started paying again, then went deliquent again. Thw 1st deliquency or 2nd starts the 7yrs? Is there a way to find out the original DOFD or DOLA? I feel like there are items on my CR's w/ a date that is way to recent.

[Trish]

SOL starts from the date of first delinquency........in which the acct was never again brought current.

So say you started making payments again......but the account was never brought current.......then you use the FIRST time. If you started making payments again, brought the acct current.........but then fell behind again, then you would start from the SECOND date.

BUT.......one thing I would like to point out......is that medical debts are a little different. The SOL on them is generally 4 years and falls under the UCC SOL for goods and services. AND the SOL on a medical debt starts from the DATE OF SERVICE.

[grn910]

I just realized that most of the items on my report are medical bills from 2005 & sooner but they all have Date Updated as 9/08. Can these still be disputed?

[Trish]

Medical debts are a bit different.
Once you've opted out and updated all of your personal info, read the medical collections thread in the beginner's section. It explains it pretty well.

Medical collections/HIPAA process