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DOFD vs DOFMD

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mikie209
Regular Contributor

DOFD vs DOFMD

Midland has been deleted on my experian and transunion report but I cant seem to get them off my equifax report.

 

What is the difference between Date of first delinquency and Date of first major delinquency?

 

On my equifax it is reporting as followed

 

Date of First Major Delinquency: 11/2011

 

Date of First Delinquency: 2/2009

 

It is also showing an 81 month payment histroy in green.

 

Type of account: Open

Type of Loan: Yes

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1 REPLY 1
randyrhodes
Established Contributor

Re: DOFD vs DOFMD

The DOFD is the time you fell behind on payments and never brought the account current. If you made no further payments after 2/09 then the DOFMD should have been 90-120 days past that. The DOFD will be the start of the 7 yr CRTP.
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