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Frequent Contributor
Melanie220
Posts: 400
Registered: ‎01-31-2013
0

Dofd wrong

Dofd wrong and CA keeps verifying what do I do now??
Moderator Emeritus
llecs
Posts: 32,881
Registered: ‎08-04-2007
0

Re: Dofd wrong

Dispute with the CRA showing proof of the correct DOFD.

Frequent Contributor
Melanie220
Posts: 400
Registered: ‎01-31-2013
0

Re: Dofd wrong

Can I do this via fax
Moderator Emeritus
llecs
Posts: 32,881
Registered: ‎08-04-2007
0

Re: Dofd wrong

Seems like others have disputed with the CRAs, but I couldn't even guess as to the fax number.

Mega Contributor
RobertEG
Posts: 17,737
Registered: ‎03-19-2007
0

Re: Dofd wrong

[ Edited ]

1. Be sure you have the actual DOFD that was was actually reported, not some interpretation based on other info.

You can get that from some credit reports, or by direct request to the CRA,

If the DOFD is relevant to a charge-off, it was required to have been reported by the OC within 90days of their reporting of their charge-off.

If the DOFD is also or only relevant to a collection, the debt collector was required to have reported the DOFD within 90 days of reporting of their collection.

So, who reported, and what date they reported.  Their specific requirements for reporting of a DOFD are set forth in FCRA 623(a)(5).

 

2.  Have your own accout records to show when the actual DOFD occured.

 

The party who reported the DOFD can verify the accuracy based on their own records, so you need documentation to support a dispute of incorrect reporting.

They dont have to "prove" the accuracy of their reporting in order to verify, so give them all supporting documenttion as part of the dispute, or verification will usually result.

 

"Wrong" is an assertion that needs documentary support to challenge.

 

 

Regular Contributor
lesse
Posts: 237
Registered: ‎02-12-2013
0

Re: Dofd wrong

Which bureau ? I may have a fax for u
START (FICO): 1/28/2013 EQ: 499 EX: 558 TU: 536
Lender Pull EQ: 694 EX: 644 TU: 670
GOAL 640 Across the board
Wallet:Credit One $400; NFCU (secured- Changed to unsecured) $1000; NFCU (Unsecured)$500- increase to $1500
Garden Time :smileyhappy:
Frequent Contributor
Melanie220
Posts: 400
Registered: ‎01-31-2013
0

Re: Dofd wrong

Equifax
Frequent Contributor
Melanie220
Posts: 400
Registered: ‎01-31-2013
0

Re: Dofd wrong

This is a medical bill. They won't pfd and the Dofd I wrong. ER Co-Pay at $100.00 Date of service 3-7-2007 but Dofd from CA is 1/2009
Regular Contributor
lesse
Posts: 237
Registered: ‎02-12-2013
0

Re: Dofd wrong

Ok found it I faxed my info to Equifax at 888 826 0573
START (FICO): 1/28/2013 EQ: 499 EX: 558 TU: 536
Lender Pull EQ: 694 EX: 644 TU: 670
GOAL 640 Across the board
Wallet:Credit One $400; NFCU (secured- Changed to unsecured) $1000; NFCU (Unsecured)$500- increase to $1500
Garden Time :smileyhappy:
Frequent Contributor
Melanie220
Posts: 400
Registered: ‎01-31-2013
0

Re: Dofd wrong

Thanks!!!

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