Collection opening, original delinquency, and last-payment dates describe different events.
Collection opening, original delinquency, and last-payment dates describe different events.
What to do
Do not use one date as a substitute for another. Compare original creditor records and collector notices before disputing a specific field.
Check the outcome
Save a dated copy of the relevant report, statement, or agreement. Verify the actual account terms and subsequent updates. A tool or dispute cannot guarantee a score increase or remove accurate information merely because it is unfavorable.
Resources
CreditAhead: https://safeskyconsulting.com/diy/free Official consumer resource: https://consumer.ftc.gov/articles/debt-collection-faqs
Get the free CreditAhead DIY guide
Use the A-to-Z PDF to organize credit reports, errors, and next steps.
This article shares general tips. It is not legal or money advice for your own situation. Results are different for each person.
