How are dates figured?

1GaDawg85 · ‎09-10-2014

So looking at my TU file I have plenty of negatives from my BK but what day does the time start? From last payment or when account was closed?

FICO 5 ,4, 2 - 10/2023 FICO 8 - 10/2023 FICO 9 - 10/2023 FICO 10 - 10/2023

Scupra · ‎09-10-2014

Would you mind clarifying the question? Are you asking about DoFD? Thanks!

1GaDawg85 · ‎09-11-2014

What I'm trying to figure out is....will the negatives fall off based on 7 years past their closure date or 7 years past the last payment received

FICO 5 ,4, 2 - 10/2023 FICO 8 - 10/2023 FICO 9 - 10/2023 FICO 10 - 10/2023

Scupra · ‎09-11-2014

At the latest they will fall off 7 1/2 years from the DoFD in which the account was never brought current again. Hope this helps!

1GaDawg85 · ‎09-11-2014

@Scupra wrote:
At the latest they will fall off 7 1/2 years from the DoFD in which the account was never brought current again. Hope this helps!

DoFD is the same as Date of Last Payment? I'm looking over the report from Credit Karma to see when my baddies will start dropping off or when I could start calling the CRA to ask for early exclusion

FICO 5 ,4, 2 - 10/2023 FICO 8 - 10/2023 FICO 9 - 10/2023 FICO 10 - 10/2023

Scupra · ‎09-11-2014

DoFD is the last time it went 30 days late and never recovered. You will see 30, 60, 90, 120 etc... & years from the 30 day late the account should fall off. Getting them removed early is not so easy and I think TU is the only CRA that will do it if is withing 6 months or so. YMMV