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1 account showing as closed and as collection

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sharriel
Frequent Contributor

Re: 1 account showing as closed and as collection

Is DOFD different than DOF major D?

5/16/13 Starting FICOEQ: 521 FICOTU: 536 FICOEX: 571
5/13/14 Current FICOEQ: 668 FICOTU: 690 FICOEX: 673
Message 11 of 14
sharriel
Frequent Contributor

Re: 1 account showing as closed and as collection

OK...HSBC reports DOFD is 01/07.  Portfolio is also saying 01/07

5/16/13 Starting FICOEQ: 521 FICOTU: 536 FICOEX: 571
5/13/14 Current FICOEQ: 668 FICOTU: 690 FICOEX: 673
Message 12 of 14
Shogun
Moderator Emeritus

Re: 1 account showing as closed and as collection

So judging by this, the is a paid account.  Start simple with a GW, then if they deny then try a direct dispute?

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 13 of 14
guiness56
Epic Contributor

Re: 1 account showing as closed and as collection


@sharriel wrote:

Is DOFD different than DOF major D?


DoFD is date of first delinquency.  DoF major D is Date of First Major Delinquency which would be anything 90+ days.

Message 14 of 14
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