Established Member
Posts: 22
Registered: ‎11-21-2008

Foreclosure fall off date

[ Edited ]

Can anyone please clarify if a foreclosure will fall of my credit report 7 years after DOFD or 7 years after foreclosure completion date? My DOFD was July 2005  however the completion date was Sept. 2007.

Frequent Contributor
Posts: 455
Registered: ‎06-08-2008

Re: Foreclosure fall off date

I have a theory, the "lates" will fall off one by one 7 years to the month after it was late and the tradeline could fall off 10 years after it was last reported on your CR.



Moderator Emeritus
Posts: 32,880
Registered: ‎08-04-2007

Re: Foreclosure fall off date

Is the reported DOFD on EQ 7/2005? Have you looked at the est. drop off dates on TU and EX?



Posts: 12,875
Registered: ‎04-15-2011

Re: Foreclosure fall off date

If it lists a DOFD on EQ, then it should be falling off after this month.  I agree with llecs, see what the estimated time this will be excluded from your CR on TU and EX.

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Established Member
Posts: 22
Registered: ‎11-21-2008

Re: Foreclosure fall off date

It has fallen off TU last month. However Experian is showing a fall off date of August 2014.

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