@daneatreia wrote:I requested my complete account information file from FP, I also asked how long the account would report on my credit reports. I was told that the DOFD was June 1st 2010 and that the 7 year clock started in December 2010 when they charged it off since they are allowed 180 days to report. Is thst correct?
This account has been PIF since 1/ 11 (before I found this site)
On a technicality, No. The CRTP is 7 years +180 days from the DOFD. So the time period is correct, the method they used to explain it wasn't. Time to GW them, and keep at it. Good Luck!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.