Reply
Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
0

Re: Charge off oddity

No.  Maybe the OC didn't report the DoFD as they were supposed to.

 

Can you post the TL?

Super Contributor
Posts: 9,021
Registered: ‎06-19-2013
0

Re: Charge off oddity


guiness56 wrote:

No.  Maybe the OC didn't report the DoFD as they were supposed to.

 

Can you post the TL?


I can try and see if did this right just copied from my report. 

 

 

Date Opened:
11/2002
Reported Since:
07/2006
Date of Status:
07/2008
Last Reported:
07/2008
Type:
Credit card
Terms:
NA
Monthly Payment:
$0
Responsibility:
Individual
Credit Limit/Original Amount:
$2,000
High Balance:
$1,076
Recent Balance:
NA
Recent Payment:
NA
Your Statement: 

Account previously in dispute - investigation complete, reported by data furnisher 

Creditor's Statement:  Account closed at credit grantor's request. 

Payment History:
2008

JUL

CO
 

JUN

CO
 

MAY

CO
 

APR

CO
 

MAR

CO
 

FEB

CO
 

JAN

CO
2007

DEC

CO
 

NOV

CO
 

OCT

150
 

SEP

120
 

AUG

90
 

JUL

60
 

JUN

30
 

MAY

ND
 

APR

OK
 

MAR

30
 

FEB

OK
 

JAN

OK
2006

DEC

30
 

NOV

OK
 

OCT

OK
 

SEP

OK
 

AUG

OK
 

JUL

OK
Account History:
Charge Off as of Nov 2007 to Jul 2008
150 days past due as of Oct 2007
120 days past due as of Sep 2007
90 days past due as of Aug 2007
60 days past due as of Jul 2007
30 days past due as of Jun 2007, Mar 2007, Dec 2006


EX Fico 774 3/3/15 Fako 806 CS/Credit.com 11/24/14
EQ SW bank enhanced 5/26/15 827 CK fako 807 5/11/15
TU Fico Barclay's/Walmart 5/28/15 798 Fako 808 Creditkarma 5/11/15
Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
0

Re: Charge off oddity

Based on the account history, it would appear your first late was Mar 2007.  I would say that would also be your DoFD.  So somewhere between Mar 2014 and Sep 2014 it would be excluded.

 

Also, looking at just the TL and not the payment or account history, it doesn't say anywhere it was a CO.  It hasn't updated since 2008 so I would leave it alone and see what happens in Mar 2014.

Highlighted
Super Contributor
Posts: 9,021
Registered: ‎06-19-2013
0

Re: Charge off oddity

ok i will to try and mess with it too much. i thought it was an charge off on the bottom since 2007. But if its one more year i have to wait to get that off i can wait. i got the 3 cash back cards i wanted to, hopefully once that falls off maybe i can get better apr or CL ? 



EX Fico 774 3/3/15 Fako 806 CS/Credit.com 11/24/14
EQ SW bank enhanced 5/26/15 827 CK fako 807 5/11/15
TU Fico Barclay's/Walmart 5/28/15 798 Fako 808 Creditkarma 5/11/15
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 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.

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

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.