@Anonymous wrote:
ok, so if my TU and EX show a drop off date of 7/14, pretty much means 7/07 was the DoFD?
So thats probably why is hardly hit my report when they added it?
Yep, give or take up to a few months. The FCRA throws out that 180-day bit. IME, the DOFD based on my statements and drop off dates on the CRs were mostly spot on.
Impact could be influenced by a number of reasons touched on already like how the baddie reports, DOLA, DOFD, existing baddies, etc.
ETA....check via your own records the DOFD. This DOFD is 7/2007. The DOLA is 5/2007. Unless the DOLA is misreporting, DOFD should always preceed DOLA. An account will always go bad (start of DOFD) before the last activity. I personally wouldn't worry about a 2-month difference, and I wouldn't do anything to get that DOLA to change like a dispute (then scores would drop), but worth a review. If you feel the DOFD is fairly accurate, then let it be.
