I have a settled collection from earlier this year. I obtained my credit reports and the information does not match up. It is as follows:
- All report the debt as being the same amount.
- I'm trying to find the DOFD. The 3 CRA's report all differently.
Ex. Date of Status (if this is the same thing...) 5/2007
Eq. Date Major Delinquency First Reported 2/2007 or DOLA n/a
TU. Date updated 5/2007 or Date placed for Collection 12/2006
- Status:
Ex. Paid/Closed
Eq. Paid/Closed
TU. Open
Now my question is this. I paid the debt but it originates from a bill that went delinquent in I believe 2/2003. It seems as though they either have wrong dates, or just don't feel like reporting them correctly. If i dispute this and they don't have exact DOFD dates, will it get deleted? If so, should I try that or a GW first?
Should I try and get accurate dates from OC or not? Should I dispute it at the CRA or send a letter to the CA requesting that info?
Please advise. THANKS!!
