Reply
Regular Contributor
Posts: 148
Registered: ‎07-30-2007
0

Needing advice on being past the 7 yr DOFD date.

I have one old collection/charge off on my account from HSBC. The DOFD was in 12/02.  I have the original statements/letters from the company showing that it  was 30 +days past the due date and I never made another pymt since. I also  have letters saying that my account was closed around that time.   In November 09, this same charge off dropped off my other two reports, so I have been waiting for this one to come off.  I know that by 7 1/2 years it should come off around 8/1 or sometime around then. Seeing as I have these letters, could I just send a copy of this proof/letters in and dispute that it is past the DOFD?  My credit would be cleaned up then and all collections gone. Please advise if you have any thoughts on this. I am anxious to get this final hurdle taken care of. Thanks to all who take time to answer.

Sustaining Change takes Support and Reinforcement !

FICOS 02/03/2013, TU -798, EQ - 805 ( Last known EX -812)
Moderator
Posts: 17,306
Registered: ‎07-14-2009
0

Re: Needing advice on being past the 7 yr DOFD date.

 


Jayleesmimi wrote:

I have one old collection/charge off on my account from HSBC. The DOFD was in 12/02.  I have the original statements/letters from the company showing that it  was 30 +days past the due date and I never made another pymt since. I also  have letters saying that my account was closed around that time.   In November 09, this same charge off dropped off my other two reports, so I have been waiting for this one to come off.  I know that by 7 1/2 years it should come off around 8/1 or sometime around then. Seeing as I have these letters, could I just send a copy of this proof/letters in and dispute that it is past the DOFD?  My credit would be cleaned up then and all collections gone. Please advise if you have any thoughts on this. I am anxious to get this final hurdle taken care of. Thanks to all who take time to answer.


 

You are fortunate that this disappeared from two of your reports early. My negatives always seemed to stay until the last possible legal moment. With a DOFD of 12/2002 it should be gone next month at the very latest. That is 7.5 years from 12/2002. I'm not sure where you get the 8/1 date.

 

 

 

From a BK years ago to:

9/09 EX pulled by lender 802
3/10 EQ- 800
4/10 TU -772

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
Frequently Requested Threads
Credit Problems Which Is Worse?
Whats In Your FICO Score

Highlighted
Moderator Emeritus
Posts: 16,375
Registered: ‎03-12-2007
0

Re: Needing advice on being past the 7 yr DOFD date.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.