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Email this4:04 pm
November 23, 2017
Offline
hi
i would like to fix my credit i fell sick 4 years ago so i stopped working so i started to have credit problems i used to have 40k on cards but i got help to pay them but this last one is left on my file
i have this on my file
Collection Accounts
A collection account under public records will automatically purge from the system six (6) years from the date of last activity.
TD CANADA TRUST Date Assigned: Collection Agency: Amount:
Date of Last Payment: Date Verified:
Comments:
2017-07
GENERAL CREDIT SERV $9,348.00
2014-10
Account Number: Reason: BalanceAmount: Date Paid:
$9,348.00
as you can see its from 2014 about everything has purge from my file but this
i would like to know is the 6 years there talking about from 2014 or 2017
i got capital one card that you have to put money down to get it to try to help with my file.
so ill like to know is this new because this is 1st time i see this on my file and its from 2014 what the last activity now 2014 or 2017
1:44 am
October 21, 2013
Offline
Why don't you ask them directly?
6:15 am
April 6, 2013
Offline
junk146 said
i have this on my fileCollection Accounts
A collection account under public records will automatically purge from the system six (6) years from the date of last activity.
TD CANADA TRUST Date Assigned: Collection Agency: Amount:
Date of Last Payment: Date Verified:
Comments:
2017-07
GENERAL CREDIT SERV $9,348.00
2014-10
Account Number: Reason: BalanceAmount: Date Paid:
$9,348.00as you can see its from 2014 about everything has purge from my file but this
i would like to know is the 6 years there talking about from 2014 or 2017
Can you tidy up the entry so that we can see what the entry is? Looks like the entry is messed up from the copy and paste.
There are two dates 2017-07 and 2014-10. But, there are four date headings: Date Assigned, Date of Last Payment, Date Verified, and Date Paid! Which of the four are the two dates? 
3:09 pm
November 23, 2017
Offline
Collection Accounts
A collection account under public records will automatically purge from the system six (6) years from the date of last activity.
TD CANADA TRUST
Date Assigned: 2017-07
Collection Agency: GENERAL CREDIT SERV
Amount:$9,348.00
Date of Last Payment: 2014-10
Account Number:
Reason:
BalanceAmount:
Date Paid:
thanks for the info
7:46 pm
April 6, 2013
Offline
Last activity is 2017-07, when the debt was assigned to the collection agency. But, I don't think the statement "six (6) years from the date of last activity" is accurate.
Section 4 of The Personal Investigations Act of Manitoba, for example, prohibits any mention of debts/collections that are legally uncollectible in a credit report. Their Limitation of Actions Act allows up to six years after default for a creditor to start legal action. After that, the debt becomes legally uncollectible in Manitoba.
This is from CreditCards.com: Can the statute of limitations erase your debt?:
Paul Le Fevre, former Equifax director of operations, says credit reporting legislation enables Equifax Canada to list debt on a consumer's credit history for six years from the date an account receives an R9 rating signifying it's a written-off bad debt. Ken Chaplin, former senior vice-president of Canada's other major credit bureau, TransUnion, says they keep the delinquent amount on a consumer's credit report for six to seven years after the last payment or default date.
I think it will be more likely six years from around 2014-11, the date of missed payment.
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