Issue with DOFD

[Breakthecycle2]

l score one for me. NCO is now deleted of my Experian. Waiting for the others to update, hopefully.

[msheresy]

I understand that the DOFD is the first time you were late but what if you pay it off after the account was closed?  I had a credit card that I opened in 06/03.  On my CR from credit secure only 1 of the cb's report the actual lates and it shows that the first late was in July of 04'.  I never paid on it until after they closed the account.  About a year later, I paid the balance off so it shows that the balance is 0. 

Date:	Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May 03 03 03 03 03 03 03 04 04 04 04 04 04 04 04 04 04 04 04 05 05 05 05 05               OK OK OK OK OK OK 30 60 90 120 120 KD ND ND ND KD OK
Experian:
Equifax:
TransUnion:

^Top of Page^

On a credit report I recieved from a lender is says

Reported: 02/2005

Opened: 06/2003

Last Active: 05/2004

Reviewed: 50 mos

it shows no 30 or 60 days late and 2 90+ days late for 11/04 and 10/04.

When wil this fall off? 

[Breakthecycle2]

Should be July of 2011.