Reply
Regular Contributor
Posts: 192
Registered: ‎12-06-2008
0

Date of first delinquency changed on CRs

I have an odd issue. My date if first delinquency has changed on both my ex and eq reports for 4 accounts that were scheduled to fall off dec of 2011. It now shows my dofd as being in the middle of 2006. Now they will drop off in 2013. I have old reports that show the correct dates, is it possible to dispute something like this? Will calling and talking to them do any good?
Moderator
Posts: 9,674
Registered: ‎01-28-2010
0

Re: Date of first delinquency changed on CRs

So you have an old EQ report that shows an older DOFD ? EX doesn't show the DOFD, it only shows an estimated drop off date.

What was the old DOFD and what is the new one ? Did anything else change ?
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Regular Contributor
Posts: 192
Registered: ‎12-06-2008
0

Re: Date of first delinquency changed on CRs

Here is what my ex report from 9-2011 shows, actually the fall off date is wrong in it too, but the account history shows 30 day lates from dec of 2004.

 

The one below that is the one I pulled today, it shows the same fall off date, but the lates from dec 2004 are no longer there.

 

Status:  Discharged through Bankruptcy Chapter 7.  Status Details:  This account is scheduled to continue on record until Mar 2013.

   
Date Opened:
12/2002
Reported Since:
01/2003
Date of Status:
10/2006
Last Reported:
04/2008
Type:
Credit card
Terms:
NA
Monthly Payment:
$0
Responsibility:
Individual
 
Credit Limit/Original Amount:
$14,900
High Balance:
$16,799
Recent Balance:
$0 as of 04/2008
Recent Payment:
$0
   
 
Account History:
, Sep 2006, Aug 2006
150 days past due as of Jul 2006
120 days past due as of Jun 2006
90 days past due as of May 2006, Jun 2005, May 2005, Apr 2005, Mar 2005, Feb 2005
60 days past due as of Apr 2006, Jan 2005
30 days past due as of Mar 2006, Jan 2006, Dec 2004
Debt included in Chapter 7 Bankruptcy on Oct 10, 2006

 

Status:  Discharged through Bankruptcy Chapter 7.  Status Details:  This account is scheduled to continue on record until Mar 2013.

   
Date Opened:
12/2002
Reported Since:
01/2003
Date of Status:
10/2006
Last Reported:
04/2008
Type:
Credit card
Terms:
NA
Monthly Payment:
$0
Responsibility:
Individual
 
Credit Limit/Original Amount:
$14,900
High Balance:
$16,799
Recent Balance:
$0 as of 04/2008
Recent Payment:
$0
   
 
 
 
   
Account History:
, Sep 2006, Aug 2006
150 days past due as of Jul 2006
120 days past due as of Jun 2006
90 days past due as of May 2006
60 days past due as of Apr 2006
30 days past due as of Mar 2006, Jan 2006
Debt included in Chapter 7 Bankruptcy on Oct 10, 2006

 

Moderator
Posts: 4,189
Registered: ‎03-24-2008
0

Re: Date of first delinquency changed on CRs

Looks like the account was bought to a current status in Feb 2006.

Because in Jan06 its 30days late, no mention of Feb06, then in March06 its 30days late again. The new 30day late, is the new DoFD.

 

The DoFD can reset, if the account was caught back up and then the account when in default again.

 

DOFD is the month you first went late (1st 30day late) and never ever recovered again. If you brought the account current before any CO then DOFD resets and only the lates would show. For any OC listing, you'll often see a 30 followed by a 60, 90, 120, CO,CA  That month in which the 30 appears is the DOFD assuming you never paid to get current after that point.

FICO's Oct 2013 TU711 EQ713 EX723~~Live below your means and always keep an emergency fund -Love Everybody ~ Big Kenny ~ Big and Rich ~~~~~Credit Scoring 101 - Common Abbreviations - Freq Req Threads - Free Credit Reports - What Steps Do I Take?DV? PFD?
Mega Contributor
Posts: 19,570
Registered: ‎03-19-2007
0

Re: Date of first delinquency changed on CRs

Confused....

I dont see any statement of any reported DOFD in the CR provided.

 

Additionally, what I see is a chain of delinquencies, with the debt ultimately being discharged under BK.

I see no evidence of the reporting of either a charge-off or a collection.  As such, any issue as to the DOFD would be totally immaterial.

 

DOFD has no relevance to monthly delinquencies, and in fact, is not even required to be reported to a CRA until after a charge-off or collection is reported.

Maybe a DOFD is not even in your credit file, but if it is, I dont see its relevance.

 

Each monthly delinquency has its own date of CR exclusion of 7 years from its date of occurance.

Perhaps the 2013 date is pegged to the exclusion of the BK?  That has its own separate exclusion date.

 

It is not accounts that drop, it is the reporting of adverse items under the account.  I dont see one date as being the issue, and particularly not a DOFD.

 

Moderator
Posts: 4,189
Registered: ‎03-24-2008
0

Re: Date of first delinquency changed on CRs

Well I guess, since we all are confused.lol  I would suggest to call the CRA's and ask, if there is a DoFD on these accounts.

 

EQ is the only one out of the 3 CRA's, that show a DoFD. Have you pulled your Free CR's from annualcreditreport.com?

FICO's Oct 2013 TU711 EQ713 EX723~~Live below your means and always keep an emergency fund -Love Everybody ~ Big Kenny ~ Big and Rich ~~~~~Credit Scoring 101 - Common Abbreviations - Freq Req Threads - Free Credit Reports - What Steps Do I Take?DV? PFD?
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 myFICO.com 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.