Credit Card Center Advertiser Disclosure

Posts: 12
Registered: ‎04-14-2008
0 Kudos

What do I do about DOLA changing on my CR?

DH has a biggie on his report from PACCAR, big rig financing, we were waiting for it to fall off. The truck was reposesed in Oct. 2002, which was DOLA on our report 2 years ago on 7/11/06. 
Paccar contacted us about it and we disputed the amount which is showing $60,000.00. We faxed them papers showing that the amount was way too high, and a police report number showing that they took it illegally and caused damage to unrelated property which they were sued for and payed. They never responded again.
DH TU rprt showed DOLA as 10/02, and EX showed DOLA as 03/04. We know it was repossessed before Nov. 02 since that was when we were married. Now DH EX is still showing 03/04, while TU is not showing at all according to myfico, have to wait to get new TU thru the mail, won't give us on line access for some reason.
Isn't there a way to get EX to fix this? The report I have from 2006 is from a bank that ran our credit for a home purchase, does it have to be an original EX report?
Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
0 Kudos

Re: What do I do about DOLA changing on my CR?

IMO, ignore all the dates on your CR; they are often wrong. Try pulling EX directly from EX. There is a line item that says "estimated date for removal is xx/xx/xxxx" or something like that. Subtract 7 yrs from that date and you'll have an accurate DOFD as read by EX.
If the date does not jive, then it could have easily been re-aged. You can then dispute directly with EX. Others have more experience, but a previous CR showing the correct date may help, or documentation showing as such from the OC or your records.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† 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 internal myFICO analysis of 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. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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

IMPORTANT INFORMATION: All FICO® Score products made available on 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.