Does the date restart?

Credit and mortgage advice Forums Consumer Credit Improve credit Does the date restart?

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      Here is my question.* My husband has a collection on his account.* Transunion shows it is going to fall off February 2012.* We were talking to a mortgage person who said this account went in default this year according to Asset Acceptance and it restarted the clock.* According to his equifax report*Date of First Delinquency:05/2005 and Date Major Delinquency First Reported:10/2007.* So is this really going to fall off or is he right, will it stay on there?* Should I DV then PFD? If I PFD should I offer an amount less than full?


      ASSET ACCEPTANCE LLCPO BOX 1630WARREN , MI 48090-1630(800) 545-9931**Balance:*$631 *Original Creditor:*01 TARGET*Date placed for collection:*[ 08/2007]*

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