One cannot determine the DOFD from the info provided.
First, disregard the date of first major delinquency in any determination of credit report exclusion. It is irrelevant.
Date of first major delinquency is provided for informational purposes to those who want to see when things first go serious. It has NO relevance to credit report exclusion.
As for the DOFD, the problem with the posted scenario is that it is stated that he made payments after the first delinquency.
The definition of DOFD is the date of first delinquency in a continuous chain of delinquencies up to the point of their taking of the charge-off.
Stated differently, if any payment he made was sufficient to return the account to pays as agreed, good standing,then a new DOFD would be set when he had another new delinquency prior to the charge-off.
Assuming the account was continually delinquent after its first default, then the DOFD would be the first account delinquency.
The charge-off would then become excluded no later than 7 years plus 180 days from the DOFD, and the CRA would likely do their own, standard early exclusion at approx 7 years from DOFD.
The only other opiton to have it removed prior to its credit report exclusion date is to contact the creditor and ask then to do a good-will deletion.
They are instructed by the CRAs not to do such deletions, but you may get lucky.
