Need help with a dispute

[TryN2Rebuild]

So I have an acccount that I included in a BK and its about time for the accounts to start falling off. So after looking at my credit report it shows the account will fall off in August. So here is my question. The account went 30 past due in April and May but then PD current in June and then 30+ in July. So when I called the CB they said it was showing from the creditor it will come off in August. Shouldn't it come off in April? Should I call and dispute? Thanks

[guiness56]

If you were late and brought the account current then became late again, that restarts the DoFD.  If you became late again in August that would be your new DoFD.

Was the account already charged off or was it ever?

[TryN2Rebuild]

The account was included in my BK. So just to clarify the DOFD would be my first late payment and I should be able to have it removed from the first default? Thanks

[guiness56]

As long as the account was not brought to a current status, yes, the first default that led to the CO or collection.

[RobertEG]

First, OC accounts are not deleted or excluded based on expiration of a CR exclusion period.

The exclusion applies only to the individual adverse items of information, which in the case of the OP are monthly delinquencies.

Second, the DOFD on the account is totally immaterial to the posted scenario.

DOFD would be relevant only to the exclusion of a charge-off on the OC account or the reporting of a collection, of which neither has apparently been reported.

Thus, the OC was not required to have even reported the DOFD on the account.

The last delinquency was in July.  The 7 year period would thus expire in July, requiring the begin of exclusion of that delinquency in August.

Thus, as of August, the account would continue to report, but absent the monthly delinquencies.

[guiness56]

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@RobertEG wrote:

First, OC accounts are not deleted or excluded based on expiration of a CR exclusion period.

The exclusion applies only to the individual adverse items of information, which in the case of the OP are monthly delinquencies.

Second, the DOFD on the account is totally immaterial to the posted scenario.

DOFD would be relevant only to the exclusion of a charge-off on the OC account or the reporting of a collection, of which neither has apparently been reported.

Thus, the OC was not required to have even reported the DOFD on the account.

The last delinquency was in July.  The 7 year period would thus expire in July, requiring the begin of exclusion of that delinquency in August.

Thus, as of August, the account would continue to report, but absent the monthly delinquencies.

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OP never said it was or wasn't so it is hard to say one way or the other.

If the report has a fall of date that leads me to believe there is a DoFD.  Otherwise there would be no fall of date.