hi Rinconns,

its good to hear that you are doing well now on your credit score. aside from that, you are able to enjoy your currently situation as you have got some credit card as well as a new house.

always remember to take good card of your credit rating because i know you are aware how difficult it is to build or rebuild such excellent rating.

if you have other concerns regarding credit card or personal finances then post it in this website. just search for the right topic that coincides with your problem.

thank you for being a part of this website.

For about 2-3 years my credit has been in the toilet.
I did everything to bring it back up, had errors fixed, stayed current on all my payments.

Then about two years after I settled a bad debt with mastercard, almost 2 years to the day. My credit shot from 590 to 650, then after i paid down a small credit card balance, it shot again the 674.

Last month I applied for a mortgage and got it. So I am right where I wanna be.

I have a rogers collection that should be falling off in Nov, so I am hoping it shoots up again aftert that.

It took time and patience. But with the help I got from this forum I was able to get it back on track and buy the house I wanted.

The funny thing is, this house went on the market about 5 days after my credit took a boost. So it was pretty good timing:)

hi Rinconns,

are you still confused of what is happening on your credit report? you had this concern last Oct 2008. how is it now? still having the same problem or everything has been already resolved?

we would appreciate to here any update from you.

This is whats listed under (collection accounts)

ROGERS WIRELESS 3RDS

Date Assigned:

2007-11

Account Number:

**************
Collection Agency: IQOR Reason: Settled

Amount: $698.00 BalanceAmount: $0.00

Date of Last Payment: 2005-05 Date Paid: 2009-04

Date Verified:

Comments: Settlement made

this is whats listed under (credit information)

*ROGERS WIRELESS INC

Phone Number: (877)764-3772 High Credit/Credit Limit: Not Available

Account Number: XXX...289

Payment Amount: Not Available

Association to Account: Individual BalanceAmount: $0.00

Type of Account: Open Past Due: Not Available

Date Opened: 2001-03 Date of Last Activity: 2004-11

Months Reviewed: Date Reported: 2009-05

Status: Bad debt, collection account or unable to locate

Is this item in the collection section, if so is the Nov/04 the first date of delinquency?If it is then this item will fall off on Nov/10.

Transunion it says Reported: 06/12/2009, though the account was sent to collections Nov 2004.

This item will fall off on Nov/10.

Equifax Date of Last Activity: 2004-11 Date Reported: 2009-05

I have been unable to get my equifax score. I tried online, but they say something about my address not matching what they have on record. I sent them in all the info they need to correct the address, phone, hydro bill plus drivers license. I did this twice and they still cant get it straight.

Anyway on transunion it says Reported: 06/12/2009, though the account was sent to collections Nov 2004.

According to the government website they state from the first date of delinquency.

**UPDATE**
I just got the equifax fiasco fixed up. Called the 1-800 and got a nice rep.
Anyway on the equifax page the info is listed as follows
Date of Last Activity: 2004-11 Date Reported: 2009-05

And on a side note, i pulled my score power from equifax, its nice to see after two years it just finally started to rise.
Equifax 652
Transunion 617

The first date of delinquency is the term Tran’s Union uses and the date of last activity is what equifax uses. What are the dates in your equifax and Trans Union reports?

Ok, here is the situation

In November 2004 I defaulted on a Rogers bill and it was sent to collections.

Until May 2009 this debt was left unsettled. I paid the debt and closed the account. And this is reflected on transunion. Reported: 06/12/2009

Now from what I read on the government website, (from the first date of delinquency) 6 years.

So is it correct to assume the rogers account will fall off my report in November 2010 which would be 6 years beyond the first date of delinquincy?

I hear some people say its 6 years from the date of last activity which would have been June of 2009.