Reply
New Contributor
Posts: 53
Registered: ‎03-21-2011
0

DoFD

I have a medical collection and the date of service was May 2010. Now the collection agency said that they received the collection in September 2010 and the are telling me that this is the first day of delinquency. I never heard of the first time I am late, they report it to the a collection agency. Could this be true? BTY, The orginal creditor will not give me anything in writing regarding the first day of delinquency. They will only give me the date of service.

Contributor
Posts: 85
Registered: ‎05-06-2012
0

Re: DoFD

I have no personal experience but I've read that Medical bills are due at the time of service. This would lead me to believe that the DOFD would be the date of the services. Any experienced members wanna chime in and help?

Starting Score: 574(may 2012)
Current Score: 574
Goal Score: 640 (to start)


Take the FICO Fitness Challenge
New Contributor
Posts: 53
Registered: ‎03-21-2011
0

Re: DoFD

Thay are reporting the DOFD is September 2010 on my report. What should I do.


Contributor
Posts: 85
Registered: ‎05-06-2012
0

Re: DoFD

My best guess would be to write the original creditor (medical office) and simply request a copy of the original bill. Hopefully it will show the amount owed with a date on the page. Since it went unpaid it was first delinquent that day. If that doesn't work I would DV the CA. another option would be to HIPAA procedures. I don't know much about them

Starting Score: 574(may 2012)
Current Score: 574
Goal Score: 640 (to start)


Take the FICO Fitness Challenge
Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
0

Re: DoFD

I wouldn't worry so much about the DoFD, instead I would focus on working out a PFD. Also have you looked into the HIPPA process yet ?
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Epic Contributor
Posts: 20,269
Registered: ‎03-19-2007
0

Re: DoFD

[ Edited ]

It is possible for them to report the date of their collection referral as the DOFD, but it would require them to have been unsuccessful in prior efforts required under the statute.

 

The requirements for reporting of DOFD are set forth in FCRA 623(a)(5) in steps.

Bottom line is that since the debt collector is not the OC, they have no way to independently determine your acts under the OC account.

The OC is the source of information as to the actual DOFD.

So, the statute handles it as such:

1.  If the OC ever reported a DOFD to the CRA, the debt collector MUST report that same date.  Official word from the OC trumps all.

2.  In the event the OC has not reported to the CRA, which is apparently your situation, the debt collector must first contact the OC and attempt to get the DOFD from them.  If the OC provides them a DOFD, they must report that date.

3.  As a catch-all, if the debt collector has contacted the OC, but attempts to get the DOFD were unsuccessful, then and only then may they make their best "guess" of DOFD. Section 623(a)(5) states that they may not report a DOFD that is later than the date they received collection referral.

 

Thus, it is possible for them to report a DOFD as the date of their collection referral, but ONLY if they have first complied with steps 1 and 2.

If you contact the OC, they give you a date, and the debt collector did not also contact them, then the reported date of collection referral would be in non-compliance with the statute.  You need to do some investigation to determine whether their reporting was a violation.

 

The DV process wont help in that regard.  It does not relate to credit reporting.

 

 

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 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.

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.