04-10-2013 05:32 AM
can anyone tell me the site that gives the credit reports that show the date of removal for items on the reports. I get my reports individually from the 3 credit reporting agencies but they don't show the removal date of any of the items. thanks in advance
04-10-2013 06:04 AM
If you are pulling the reports directly from each independant CRA, then you'll have the DOFD provided under each account (equifax), and the estimated dates of removal (depending on if they're OC's or CA's) split between Transunion, and Experian. Are you not seeing the dates?
04-10-2013 06:22 AM
no I cant see those dates..maybe I am pulling them from the wrong site?. I am pulling them from the official sites. I think. (equifax.com, experian.com, transunion.com) I do see the basic info, like status and pay dates on experian but nothing about the deliquency dates or last activity and on equifax it shows date of last activity but also no delinquency dates. I don't really understand where I am readin. I saw a post on here about how to read your CR and the example used from credit.com showed a report that had the dates of removals listed. Its one account that I would like to know when it will be removed. are any of the dates I posted above the same as the removal dates?...if that makes sense
04-10-2013 06:32 AM
thank you for the link! also does DOFD equal the date it is going to be removed. Or date of last activity??
I have a loan thats paid off and the last activity date is 7/2006. sallie mae also stopped reporting it in 2006 as well. will it leave in august this year?
04-10-2013 06:37 AM
DOFD: the last late that was never recovered from, resulting the the account closing/charging off (CO).
DOLA: that's usually just a reference to the last information update, in regards to that specific TL.
04-10-2013 06:41 AM
If you paid the loan, it will remain for ten years past the date the loan was considered closed/satisfied. If there were lates in that loan, they'll stick around for seven years from the date of occurance.
04-10-2013 06:57 AM
ahhh! ok I see. Now I am getting a better understanding. There were lates on the loan. It closed in 2006 and I paid it off this year February. So that means it leaves 7 years from 2006 aka 2013, or 7 years from 2/2013-the date I paid it?
04-10-2013 07:00 AM
You've just confused me. Easy to do, since it's my version of eight pm...and the coffee's wearing off...
Was this a mortgage that was paid conventionally, but with a few lates? ...or... was it a loan that went bad, and you've just paid off the OC?
04-10-2013 07:11 AM
lol I'm sorry about that as its 10am here
it was a student loan, that went late and sallie mae closed it in 2006 and sent it to Higer Ed. I paid off higer ed this year even though sallie mae closed the initial account in 2006. so I was wondering if the loan would stay on 7 years from 2013 since thats when I paid or will it fall from its original delinquency date in 2006 if that makes a little more sense
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO