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7 years from the date of ...

Frequent Contributor

7 years from the date of ...

Date Opened?
Date of Last Payment?
Date Closed?
Date of Status?
Date Last Reported?
 
 
Which line above do you use to calculate the final month/year of your Collections/Chargeoffs to avoid the 7 year Retention period?
 
Thanks
As of 3/17/08 - TU 619 / EQ 666 / Ex 624
As of 4/17/08 -TU 621 / EQ 671 / Ex 626
As of 6/07/08 - TU 627/ EQ 688 / EQ 644
Message 1 of 5
4 REPLIES
Valued Contributor

Re: 7 years from the date of ...

date of last payment plus 180 days.  
Message 2 of 5
Frequent Contributor

Re: 7 years from the date of ...

DOFD Date of First delinquency i belive. date the account first went over 120days, unless at anytime since that date the card was brought current, that would reset the DOFD. Please correct me if I am mistaken.
Message 3 of 5
Super Contributor

Re: 7 years from the date of ...



theshadow12345 wrote:
Date Opened?
Date of Last Payment?
Date Closed?
Date of Status?
Date Last Reported?
 
 
Which line above do you use to calculate the final month/year of your Collections/Chargeoffs to avoid the 7 year Retention period?
 
Thanks


What do mean "avoid"?
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Message 4 of 5
Highlighted
Moderator Emeritus

Re: 7 years from the date of ...

Message 5 of 5