Showing when your past payment was made will not alone establish the DOFD.
If you have account records, provide the billing statement that shows when you first became delinquent, and then subsequent statements showing that the account was not thereafter returned to paid or pays as agreed good-standing.
For clarification, showing that a last payment was made in April, 2010 can establish, if the statement also shows that the payment met the timeliness and minimum, that the account was in good-standing as of that date. That means there is no reportable DOFD at that time, as the account was in good-stnding.
May, 2010 and subsequent months could also be in good-standing, even if no payments were made, if no charges were made.
If the June billing statement was not paid on its July due date, that could establish a proper DOFD of 07/2010.
If the account thereafter remained delinquent until a CO or collection, the DOFD that would apply to the CO or collection would be 07/2010.
