We need help!!

[Anonymous]

My brother and I have been working on his credit since october! He finally got to ~650 across the board and a collection hit. the DOFD is from 12/2013, but it went into collection and says the DOFD is 04/2016... Is that correct? Even w/ a collection agency the date of first delinquency should be the same shouldn't it? I was going to dispute it for the date, but thought I should consult with you all first!!! TIA

[AutoBot]

The DOFD should be the first month you became delinquent and never brought the account current.

[Anonymous]

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@Anonymous wrote:

My brother and I have been working on his credit since october! He finally got to ~650 across the board and a collection hit. the DOFD is from 12/2013, but it went into collection and says the DOFD is 04/2016... Is that correct? Even w/ a collection agency the date of first delinquency should be the same shouldn't it? I was going to dispute it for the date, but thought I should consult with you all first!!! TIA

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DoFD of the collection should be the same as the OC. BUT - make sure the date you are looking at is actually the reported DoFD and not the CA's "opened" date or something similar. Where are you viewing the report?

[Anonymous]

So we should dispute then, right? 

[Anonymous]

CCT, I'll pull his reports and look there.

[Anonymous]

You need to either pull his free reports from annualcreditreport.com, or order a report directly from Equifax. Online report sites as a rule strip out the reported DoFD and estimated drop off date, but raw reports directly from Equifax (or from the above site) will show the reported DoFD.