Credit Card Center Advertiser Disclosure

Posts: 7
Registered: ‎04-19-2011
0 Kudos

Conflicting DOFDs on the same account?

[ Edited ]

I'm new to the Forum but have been lurking and trying to digest some of this info from you experienced folks.  My question:


  • My most recent TransUnion credit report includes a CA tradeline stating "Estimated date that this item will be removed:  07/2014." 
  • There is no tradeline for the OC on the most recent TU report.
  • The previous TransUnion report does include the OC tradeline stating "Estimated date that this item will be removed:  04/2012."
  • There is no direct reference to a DOFD.

As there is a two year discrepancy regarding the drop-off date, it appears that the CA may have reaged the account.  I'm assuming that this would be an instance to request the FCRA Compliance Date from the CRA.  If it is determined that the CA has reaged the account, do I dispute with the CRA and request deletion on that basis?


Your thoughts/advice, please.

Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
0 Kudos

Re: Conflicting DOFDs on the same account?

OP, I split your post to form a new one here. I had to edit the title, but changed nothing else. If you'd like to change the title, click "Options" and then "Edit Message".

Epic Contributor
Posts: 22,398
Registered: ‎01-17-2008
0 Kudos

Re: Conflicting DOFDs on the same account?

I wouldn't even go through the CRA.


Send the CA a direct dispute under FCRA 623 and tell them you dispute the DoFD and ask how they came up with it.

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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of 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. These ranges were not provided by any card issuer.

* 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.

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

IMPORTANT INFORMATION: All FICO® Score products made available on 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.