On my 04/08/2009 report EQ is showing the DOFD as 08/2005. On my 4/17/2009 report here is what is showing:
Account Number: 41295XXXX
Current Status: CHARGE-OFF
Account Owner: Individual Account.
High Credit: $20,034
Type of Account: Installment
Credit Limit: $0
Term Duration:
Terms Frequency:Monthly (due every month)
Date Opened: 07/2001
Balance: $0 Date
Reported: 04/2009
Amount Past Due: $0
Date of Last Payment: 10/2005
Actual Payment Amount: $0
Scheduled Payment Amount: $533
Date of Last Activity: N/A
Date Major Delinquency First Reported:
Months Reviewed: N/A
Creditor Classification: Financial
Activity Description: N/A
Charge Off Amount: $0
Deferred Payment Start Date:
Balloon Payment Amount: $0
Balloon Payment Date:
Date Closed: 04/2006
Type of Loan:
Date of First Delinquency: 08/2005
Comments: Charged off account
81-Month Payment History
Year
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2009 * * CO
2008 * * * * * * * * * * * *
2007 * * * * * * * * * * * *
2006 CO CO CO * * * * * * * * *
2005 30 * 30 30 * 30 * 30 60 90 60 90
2004 30 30 30 30 * * * * 60 60 30 60
2003 * * * * * 30 30 30 * * * *
2002 * * * * * *
Also they are stating that it is a charge off but are not reporting the CO amount? And if you are 90 days late can you then become 60 days than back to 90 without first becoming 30 days late?
P.S. sorry about the messy payment schedule
