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hey welcome back we are looking at one of the most important things tonight understanding what the dates on your credit report mean and theres a lot of confusion in the comments and what you guys are telling me so were gonna go one by one starting with the open date and this is pretty obvious its the date that the account was opened by the consumer now with collections it might be a little bit different its actually the date that they received the account but moving on all right so the next one very important date last reported so the date last reported can also show up on your credit report as the status update date or similar so this is actually the date that shows the last time the status of the account was updated such as when the account is disputed and verified right so just as an example the accounts disputed on september 1st the bureaus verify that account is accurate and theres a quote-unquote there bureaus update the status date to reflect the date verified as october 15