cancel
Showing results for 
Search instead for 
Did you mean: 

When do baddies come of credit report

Valued Contributor

Re: When do baddies come of credit report


Fresh101 wrote:

Sorry for cutting in, but how can you find out when was the DOFD of the original account.? Thanks in advance

 

Note: In the TU or EQ credit report that I get from this site does not have it.



For TU, you have to get the one they mail to you or the electronic version of the one they mail.  I think it costs $9 or $10 bucks if you haven't been denied credit or are not requesting your free annual copy.  TU only shows the estimated date that it will be deleted and not the DOFD.  For EQ, I have thier monitoring service and when I pull my report it is shown on their for any derogatory accounts.  For EXP it shows in the status and shows when it will be deleted.  The bottom line is that you need hard copies to see the information.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 11 of 15
Community Leader
Epic Contributor

Re: When do baddies come of credit report

Any party reporting any information on an account that has charged-off or placed for collection is required, within 90-days of reporting, to also provide the DOFD on the OC account to the CRA.  FCRA 623(a)(5).  So it is required reporting, and must be in your credit file.

 

If you cant get it from your commercial credit report, FCRA 609(a)(1) entitles a consumer to any information in their credit file.

You can simply send the CRA a request under section 609(a)(1) and get the definitive DOFD of record in your file.

Section 609(a)(1) requests are subject to a fee payable to the CRA, which is currently $11.00, so be sure to include a check.

Message 12 of 15
Regular Contributor

Re: When do baddies come of credit report


RobertEG wrote:

Any party reporting any information on an account that has charged-off or placed for collection is required, within 90-days of reporting, to also provide the DOFD on the OC account to the CRA.  FCRA 623(a)(5).  So it is required reporting, and must be in your credit file.

 

If you cant get it from your commercial credit report, FCRA 609(a)(1) entitles a consumer to any information in their credit file.

You can simply send the CRA a request under section 609(a)(1) and get the definitive DOFD of record in your file.

Section 609(a)(1) requests are subject to a fee payable to the CRA, which is currently $11.00, so be sure to include a check.


thanks for the reply buddy.

Starting: 547 +Score EX, 541 MyFico EQ,562 MyFico TU (Dec 2nd)

Current: 736 FCR "EX" (Nov. 5th), 668 MyFico "EQ" (Nov. 5th), 748 MyFico "TU" (Nov. 5th)

CC: BB&T $2,500 CL 3/2013, BarclayCard $3,000 CL 4/2013, WellsFargo $300 CL 7/2012 & Cap1 $451 CL 5/2012

Goal Score: 800's Rank
Message 13 of 15
Regular Contributor

Re: When do baddies come of credit report

How accurate is the date "expected time this item will fall of your report" that TU gives on their report???
Fico Scores: TU 700 (10/12/2016) EQ 729 (10/01/2016) EX 713 (10/01/16)

AMEX BCP $25,000 (opened 09/2012) - Citi TYP $12,000 (opened 12/2012) Chase Sapphire Preffered $6000 (opened 09/2012)
Message 14 of 15
Regular Contributor

Re: When do baddies come of credit report

Sorry to bump this older thread, but I was really curious How accurate is the date "expected time this item will fall of your report" that TU gives on their report???

 

 

So far it seems it's been dead on except for one TL on my report that is still showing and has not fallen off.

Fico Scores: TU 700 (10/12/2016) EQ 729 (10/01/2016) EX 713 (10/01/16)

AMEX BCP $25,000 (opened 09/2012) - Citi TYP $12,000 (opened 12/2012) Chase Sapphire Preffered $6000 (opened 09/2012)
Message 15 of 15