Medical Collection DOS vs. Date referred to CA

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    So my intake appointment is not until Friday and I’m hoping that someone can answer this question before then:

    One of my collection accounts is for an emergency room bill, date of service is Oct. 6, 2017. Said emergency room bill debt was sold to a collection agency (Phoenix Financial Services) just a few months ago. It hit my credit report in September or October of 2019. Now… I know that NACA requires collections within the past 24 months to be re-paid. But do they go by the date of service or by the date that it actually hit my credit report? If its the DOS, then I wouldn’t be required to pay it for NACA qualification because its well over 24 months old.

    Phoenix Financial has been harassing me about it for months and today they offered a 50% settlement and to delete from my credit report if I pay it by Friday – they’ve never offered to delete it from my credit report before so if I’m going to be required to pay it per NACA I might as well do it now. But if NACA isn’t going to require me to pay it, I’d rather put the $ towards paying off my credit card.

    If you know the answer, please advise…


    They go by the date of collections which would be 2019 but, medical bills I believe can be exempt from the requirement.


    @tattedqueen87 now that you’ve had your intake, what did you MC say?


    @mrstaylor my MC said that they go by the date of service of the emergency room bill not the date it was referred to collections (I just need to prove that date of service).


    Thank you! I’ll mention this to my MC I’m not sure why I’m being asked to pay things that were added to the credit bureau in 2014 and 2016. :/

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