01-29-2013 08:32 PM
Been signing up for all kinds of mintoring services and buying reports at several places and not finding any DOFD or fall off information. The only place I remember getting a DOFD and fall off dates are through free annual credit report which I cannot pull for another 4 months.
Was wondering if anyone here knows a good place to purchase a detailed 3in1 report with DOFD. Estimated fall off dates, full history, and creditor contact information will be a huge plus as well.
Thanks in advance.
01-29-2013 08:36 PM
01-29-2013 08:40 PM
01-29-2013 09:00 PM
Thanks for help. Freecreditreport didn't work at least not with their free report. I will try directly from EQ in a couple of days. Pulled too many times today.
01-29-2013 11:23 PM
If you have specific information, such as DOFDs, that is not being provided in commercial credit reports, you can obtain any information of record in your credit file by simply sending a written request, along with proof of identity and the current processing fee of $11.00, directly to the CRA.
They are required, under FCRA 609(a)(1), to provide any information of record in your file. One fee, one letter, and you get anything you need.
01-30-2013 03:33 PM
I may as well do that. I bought a 3in1 report from equifax per recommendation here and they did not provide that information. Wasted 25 bucks I guess.
01-30-2013 04:47 PM
01-30-2013 05:46 PM
I just tried that. Experian did not allow me to dispute online. Transunion link is broken for some reason and does not go to the dispute page. Luckily equifax link worked fine and showed me DOFDs for most of my accounts. As suspected, expired SOL on all negative information on the report.
Only two accounts do not show up on EQ will deal with those later.
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.
* 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.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.