Regular Contributor
Posts: 222
Registered: ‎01-27-2008


If I'm correct, the clock starts ticking for reporting a debt on the date of first deliquency.  But none of the CRA show the date on the reports.  How can you find this out?

Posts: 22,406
Registered: ‎01-17-2008

Re: DOFD!!!

Yes, you are correct.  Those are only available from those reports directly from the CRAs or


Only EQ has a DoFD, TU and EX have removal dates.

Mega Contributor
Posts: 19,818
Registered: ‎03-19-2007

Re: DOFD!!!

DOFD only pertains to the date that is used to calculale the exclusion period for a reported charge-off or collection.

A debt, if unpaid, can be reported at any time.  If the debt was reported by an OC, it does not become excluded based on any time period.

However, since a collection must be excluded after 7 yrs plus 180 days from the DOFD, if the only reporting of the debt was by the debt collector, it will become excluded from your credit report.


Reporting of DOFD is only required once a CO or collection has been reported.  The party who reported the CO or collection has 90 days after that reporting to provide the DOFD to the CRA.  If you dont have a CO or collection, DOFD is meaningless, and most likely will not have been reported.


Do you have a reported CO or collection that triggered the requirement to report the DOFD?




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.

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.