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Status as of Jun, 2005
Date opened Aug, 2002
Date of last activity Jun, 2005
Date of last payment Not Reported
Date closed Not Reported Account number XXXXXXXXXX
Loan type Unsecured Loan
Credit limit Not Reported
Largest past Seven year paybalance Not Reported
Terms 24 Months
Account Type Installment Account holder Individual Scheduled payment amount
Not Reported ment history Recent
This was charged off, turned over to collections.
Status as of Nov, 2004
Date opened Dec, 2000
Date of last activity May, 2004
Date closed Not Reported
Account number Not Reported
Loan type Not Reported
Credit limit $2000
Largest past balance Not Reported
Terms Not Reported
Account Type Revolving
Account holder Individual
Scheduled payment amount $923
Seven year payment history
Recent payment history
Worst Delinquency
Balance Current Status Past Due Amount
$0
90 days past
due
Not Reported
30 days late 2 times (Jul 2004)
60 days late 1 time (Aug 2004)
90+ days late 2 times (Nov 2004, Sep 2004)
This one was transferred. I paid through the Phone Number listed on the report Jan 2006. But it's not showing up the same on all reports.
The only date that matters is the DOFD for each account. That is the date that the account first went 30-days past the due date. The later 60/90 etc lates have not affect. The other dates you report have no relevance to CR dropoff under the FCRA.
If the account was never placed for collection of charged offl, the dropooff date is 7 years from the DOFD, and if it became a CO or CA, 7 1/2 years from the DOFD.
So my DOFD is not listed??
Is the only option to call?? If so I'll have to work on this when I'm back in the States.
gre0481 wrote:So my DOFD is not listed??
Is the only option to call?? If so I'll have to work on this when I'm back in the States.
No, don't call. You'll never get the right answer.
If you pull a report directly from the CRA, thee are 3 ways of determining DOFD:
1) look for DOFD
2) Go to the drop off date (on EX or TU) and subtract 7 yrs.
3) Look in the history for the first late that lead to the card's demise.
Based on your info, it looks like 7/2004 is the DOFD. While this isn't a full report, you can see a pattern w/ a 30 day on 7/2004, 60 on 8/2004, 90 on 9/2004 and so on.
Alright, thanks!
These are the was I need to try and do something about if I can.
I pulled these from MyFico. I don't think I want to mess with the others again. As far as the Fico/Fako/plus nonsense