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This might be a stupid question but....

Valued Member

This might be a stupid question but....

How exactly does one see the date of delinquency that is so frequently addressed? Is this reported on the credit report or is this something I need to research?
Message 1 of 5
4 REPLIES
Valued Member

Re: This might be a stupid question but....

Usually on a credit report. Not necessarily on a credit monitoring service. I know places like USAA do not have that information, you have to pull your real report from the agencies directly.

 

 

Message 2 of 5
Valued Member

Re: This might be a stupid question but....

So, the date its reporting (not the updated date) is probably the date I need to go by?

I hope so, cause this is the date I have been using.
Message 3 of 5
Moderator Emeritus

Re: This might be a stupid question but....

On your CR, TU and EX will list a "date this is expected to be removed", you go back 7 years from that and get your DOFD, on EQ they list the DOFD.  You may have to get more in depth CRs to get this information.  Have you pulled your reports from annualcreditreport.com?   These are your yearly free ones.  Good Luck!

Starting Score: 504
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.
Message 4 of 5
Valued Member

Re: This might be a stupid question but....

I did pull my reports, thankfully I was going off of the correct date. =) 

 

Thanks!

Message 5 of 5