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I'm trying to come up with a tactic for a negative mark on my reports. I'm trying to figure out the statute of limitations and the timeframe the creditor could potentially sue me for. I need to find the date of first delinquency. The reports only show a fixed number of months. (usually 24) Only "account opened" dates are in details.
Your help is appreciated.
If you get the reports directly from the CRAs or annualcreditreport.com, EQ will show an actual DoFD while TU and EX will have a drop off date.
They also have a longer payment history, like 81 month or something like that.
@guiness56 wrote:If you get the reports directly from the CRAs or annualcreditreport.com, EQ will show an actual DoFD while TU and EX will have a drop off date.
They also have a longer payment history, like 81 month or something like that.
Thank you for the advice. I did just what you suggested. I wasn't aware of the formatting differences and level of details in reports purchased at different places. I monitor my reports at USAA and the details just were not there in those reports. I found all the details and longer account historys going right to the CRA's.
Lesson learned:
Reports come in 2 flavors. Watered-down by third party vendors, and full-strength directly from CRA's.
If you need a deeper level of details...go directly to CRA's.