@jocleveland wrote:
@Anonymous wrote:
Their alternative would only be to report a later DOFD that would still permit its inclusion, but that would subject them to a serious charge of illegal reporting of a DOFD, contrary to the specific requirements of section 623(a)(5).
So if I understand correctly, the DOFD is the OC DOFD and not the CA's? Here I was worried that the collection agency date was when they received the loan from the OC and not the DOFD.
You are correct. There is only one DOFD, which occurs at the point in time that you first become deliquent on the original account without ever becoming current again. Any and all collections reported against this account use this same DOFD.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
