First of all here is my Account History:
Charge Off as of Oct 2010, Oct 2008
180 days past due as of Oct 2008, Jan 2008, Dec 2007, Nov 2007, Oct 2007, Sep 2007, Aug 2007, Apr 2007, Feb 2007
150 days past due as of Sep 2008, Jul 2007, Jun 2007, May 2007, Mar 2007, Jan 2007
120 days past due as of Aug 2008, Dec 2006
90 days past due as of Jul 2008, Nov 2006
60 days past due as of Jun 2008, Oct 2006
30 days past due as of May 2008, Sep 2006
The account shows 120+ days past due from Dec 2006- Jan 2008. Then shows as Closed from Feb 2008-April 2008. Then shows 30 days May 2008. Then oct 2008 CO.
I remeber paying the credit card company during 2008. So my question is, what is my DOFD. On all credit reports DOFD shows as oct 2008. Since i made payments to the credit card compnay for couple months in 2008, does my account become current even after they have closed the account?
$12k 
$12k 
$11k 
$9k 
$2k
The DoFD is set when the account went into arrears and was not brought current. I personally believe your DoFD is listed incorrectly. It should not start when this was paid, it should have started in 2006. I would file a direct dispute.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
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.
Thank you for the quick reply. I am planning to dispute DOFD with all CRA. I just wanted to make sure I understand DOFD before disputing it.
@greatestthees wrote:Thank you for the quick reply. I am planning to dispute DOFD with all CRA. I just wanted to make sure I understand DOFD before disputing it.
I'm not sure that disputing with the CRAs would be the correct way to go. I believe a direct dispute would be more appropriate.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
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.
@Shogun wrote:
@greatestthees wrote:Thank you for the quick reply. I am planning to dispute DOFD with all CRA. I just wanted to make sure I understand DOFD before disputing it.
I'm not sure that disputing with the CRAs would be the correct way to go. I believe a direct dispute would be more appropriate.
I will go ahead and do that. Should I call them or write them a dispute letter? I will do more research on the forum and find a letter to send them.
Try this.
http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Direct-dispute/td-p/2309095
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
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.
Thank you very much. You have been great help. I will go ahead and try the letter. 
I Direct Disputed with the OC about month and half ago and have not heard anything back from them. What should i do next?
I also disputed with CRA's. Somehow Transunion totally removed it from my credit report. Transunion removed the collection agency, but DoFD remained the same. Other CRA didn't removed it.
I disputed with Equifax and Experian from their website, but i disputed Transunion via regular mail. Since Transunion removed it and other two didn't, do you think how you dispute matters?