Does anyone have any idea when these will fall off? September of this year?
Credit Card
Capital One Bank UsaJun, 2010Status as ofDate openedDate of last activityLoan typeCredit limitAccount TypeAccount holderIndustry
| Jun, 2010 |
| May, 2006 |
| Oct, 2007 |
| Credit Card |
| $500 |
| Revolving |
| Individual |
| All Banks |
Descriptions
- Charged off account
No contact information provided by Equifax
Balance Current Status
Seven year payment history30 days late60 days late90+ days late
Recent payment history6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 52008 2009 2010
Worst Delinquency
| $0 | Charge-off |
| 1 time |
| 1 time |
| 4 times (May 2010, Mar 2008, Feb 2008, Jan 2008) |
 | | | | | | | | | | | | | | | | | | | | | | |  |
| Legend: |  Unknown |
 Collection |
| 120+ days past due |
| The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO® score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on your score. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score. |
Credit CardStatus as ofDate openedDate of last activityLoan typeCredit limitAccount TypeAccount holderIndustry
| Jun, 2008 |
| Sep, 2007 |
| Oct, 2007 |
| Credit Card |
| $0 |
| Revolving |
| Individual |
| All Banks |
Descriptions
- Charged off account
No contact information provided by Equifax
Balance Current Status
Seven year payment history30 days late60 days late90+ days late
Recent payment history6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 52006 2007 2008
Worst Delinquency
| $0 | Charge-off |
| 1 time (Nov 2007) |
| 1 time (Dec 2007) |
| 3 times (Mar 2008, Feb 2008, Jan 2008) |
 | | | | | | | | | | | | | | | | |  |  |  |  | | | |
| Legend: |  Not Open | Unknown | |
 30 days late |  60 days late |  90 days late | |
 120 days late |
| 120+ days past due |
| The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO® score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on your score. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO |
Revolving credit derogs should fall off 6.5 to 7 years after DoFD
⋅ INQs: 6
@stucktruck204 wrote:So when would my DoFD be october 2007?
Correct but assuming that date is listed as "Date of First Delinquency" or "Date of First Majoe Delinquency
@Ysettle4 wrote:
@stucktruck204 wrote:So when would my DoFD be october 2007?
Correct but assuming that date is listed as "Date of First Delinquency" or "Date of First Majoe Delinquency
This date is meaningless for calculating the time something remains on your report or for states SOL. The law clearly states its the Date of 1st Del (DoFD). The date of first major deli is when you hit 90 days past due, the DoFD would be 2 months prior to this date if they are reporting things correctly.
@stucktruck204 wrote:Does any of this help to find the DoFD?
CAPITAL ONE
Address:
PO BOX 30281
SALT LAKE CITY, UT 84130
(800) 955-7070
Address Identification Number:
Status: Closed. $954 w ritten off.
Date Opened:
05/2006
Reported Since:
05/2006
Date of Status:
05/2008
Last Reported:
06/2010
Creditor's Statement: Purchased by another lender.
Payment History:
2010
JUN
MAY
CO
CLS
SEP
OCT
CO
CO
JAN
FEB
OK
OK
Account History:
Charge Off as of May 2010, Apr 2010, Mar 2010, Feb 2010, Jan
2010, Dec 2009, Nov 2009, Oct 2009, Sep 2009, Aug 2009, Jul
2009, Jun 2009, May 2009, Apr 2009, Mar 2009, Feb 2009, Jan
2009, Dec 2008, Nov 2008, Oct 2008, Sep 2008, Aug 2008, Jul
2008, Jun 2008, May 2008
150 days past due as of Mar 2008
120 days past due as of Feb 2008
90 days past due as of Jan 2008
60 days past due as of Dec 2007
30 days past due as of Nov 2007, Jun 2007 This is the DoFD
Account Number:
486236264952....
Type:
Credit card
Terms:
NA
Monthly Payment:
$0
Responsibility:
Individual