@Anonymous wrote:Account Number: 375963919DBXXXX Current Status:
Account Owner: Individual Account. High Credit: $ 1,537
Type of Account : Installment Credit Limit:
Term Duration: 1 Months Terms Frequency: Monthly (due every
month)
Date Opened: 09/01/2008 Balance: $ 2,135
Date Reported: 03/06/2015 Amount Past Due: $ 2,135
Date of Last Payment: Actual Payment Amount:
Scheduled Payment Amount: Date of Last Activity: N/A
Date Major Delinquency First Reported: 03/2015 Months Reviewed: N/A
Creditor Classification: Activity Description: N/A
Charge Off Amount: Deferred Payment Start Date:
Balloon Payment Amount: Balloon Payment Date:
Date Closed: Type of Loan: Unsecured
Date of First Delinquency: 12/2014
Comments: Collection account
This will not be dropping from your CRs this year the way its reporting, its not 7.5 yrs from the date it was opened the time clock starts when the DoFD is set and it can report for 7.5 yrs from the DoFD. If you can prove the DoFD was earlier by your tuition documents (when payments were to start) then you may be able to challenge said DoFD. This looks like a regular collection account, I would approach it with a PFD offer. You say its the OC reporting but this looks like a CA listing.
http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Q-amp-A-Examples-and-PFD-Success-Stories/td-p/2031275
http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Example-Letter/td-p/4519
