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Dofd wrong

Frequent Contributor

Dofd wrong

Dofd wrong and CA keeps verifying what do I do now??
Message 1 of 11
10 REPLIES
Moderator Emeritus

Re: Dofd wrong

Dispute with the CRA showing proof of the correct DOFD.

Message 2 of 11
Frequent Contributor

Re: Dofd wrong

Can I do this via fax
Message 3 of 11
Highlighted
Moderator Emeritus

Re: Dofd wrong

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

Message 4 of 11
Community Leader
Epic Contributor

Re: Dofd wrong

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.

 

 

Message 5 of 11
Frequent Contributor

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:
UPDATED SCORE 10/2015: EX: 763 TU: 709 EQ: 720


GOAL 800 Across the board
Wallet:Credit One $600; NFCU (secured- Changed to unsecured) $7500; NFCU (Unsecured)$500- increase to $12,500 BOA: $1000 Home Depot/Lowes $800 each Childrens Place $350 Sams Club $800
Garden Time Smiley Happy
Message 6 of 11
Frequent Contributor

Re: Dofd wrong

Equifax
Message 7 of 11
Frequent Contributor

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
Message 8 of 11
Frequent Contributor

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:
UPDATED SCORE 10/2015: EX: 763 TU: 709 EQ: 720


GOAL 800 Across the board
Wallet:Credit One $600; NFCU (secured- Changed to unsecured) $7500; NFCU (Unsecured)$500- increase to $12,500 BOA: $1000 Home Depot/Lowes $800 each Childrens Place $350 Sams Club $800
Garden Time Smiley Happy
Message 9 of 11
Frequent Contributor

Re: Dofd wrong

Thanks!!!
Message 10 of 11