Should I dispute an incorrect DOFD?

[MsCrysD]

Hello,

At the beginning of the year I pulled my credit report from annualcreditreport.com and my DOFD shows its was open in Nov 2008, but its says that the CA and CO will roll off as of 6/2013 and 7/2013. If you do the math the DOFD is not correct. I know for sure that the my DOFD is incorrect. DOFD was 6 and 7 of 2006. The SOL is coming up 6 and 7 of 2010 which is four years ( For Texas). Should I wait until the SOL is up and dispute or should I dispute is now, or should I just wait until the 7 1/2 years is up and then dispute. Hopefully you all will understand what i am saying.

Thanks in Advance...

[guiness56]

The date open has nothing to do with the DoFD.  It is just the date the CA opened the account with the CRA.

If it is due to come off 6/13 and 7/13, DoFD would be 1/2006 and 12/2005.  Going just by 7 years then 6/2006 and 7/2006 would be the correct dates of the DoFD.

The OC and the CA account should both come off at the same time.