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
Safesky: https://safeskyconsulting.com/diy/free Official consumer resource: https://consumer.ftc.gov/articles/debt-collection-faqs
Get the free Safesky DIY guide
Use the A-to-Z PDF to organize credit reports, errors, and next steps.
This article is general information, not legal or financial advice. Results vary by credit profile.
