Credit Cards Center Credit cards from our partners
Reply
Frequent Contributor
Posts: 409
Registered: ‎01-31-2013
0

Dofd wrong

Dofd wrong and CA keeps verifying what do I do now??
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Dofd wrong

Dispute with the CRA showing proof of the correct DOFD.

Frequent Contributor
Posts: 409
Registered: ‎01-31-2013
0

Re: Dofd wrong

Can I do this via fax
Highlighted
Moderator Emeritus
Posts: 32,869
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.

Epic Contributor
Posts: 21,621
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
Posts: 238
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 Smiley Happy
Frequent Contributor
Posts: 409
Registered: ‎01-31-2013
0

Re: Dofd wrong

Equifax
Frequent Contributor
Posts: 409
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
Posts: 238
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 Smiley Happy
Frequent Contributor
Posts: 409
Registered: ‎01-31-2013
0

Re: Dofd wrong

Thanks!!!
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.