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What do I list as the date a debt was incurred?



  • Stephanie harris

    Very helpful so far

  • Joseph Malfino

    What if I'm unable to determine the exact date a debt was incurred. I have a bill in collections for a Verizon cell phone bill that is on my credit report. I got the phone at a walmart years ago, and ended up homeless, lost the phone, never received a bill. I am unable to determine the exact date this debt was incurred. Any suggestions?

  • Brenda Siolo

    I am also wondering the same thing. Have several credit cards that have been in collection accounts.  I have no idea when the debt was incurred. wondering if I can put the date the collection agency shows as date, which is not the original date however.


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