Where on the myfico CRs are the DOFD

[ilzhoefer]

Hello:

On myfico credit reports, TU & EQ where are the DOFD located on the accounts?

Is it the first month of the lates reporting?

[guiness56]

On EQ it should say DoFD.  TU has a fall of date.  If it doesn't on these reports and shows a payment history it should be the first late that you had and never became current again.

[RobertEG]

Has the OC account ever reported a charge-off or has a debt collector ever reported a collection?

If not, you are most likely looking for something that does not exist.

Any OC account has a DOFD the day it first becomes delinquent.  It can change if the account is brough back into good-standing, and a new delinquency then occurs.

However, the only purpose of DOFD in credit reporting is to enable the CRA to calculate the exclusion date of a reported charge-off or collection.

Thus, there is no reporting requirement for DOFD until 90 days after occurence of one of those two reportings.

Using the month of the 30-late as an estimate of DOFD will give you a good estimate, but it is not necessarily the actual DOFD.

A creditor can wait months after actual account delinquency to actually report their first 30-late.  Additionally, a reported 30-late is, by definition, reporting of delinquency that is 30 days or more later than actual DOFD,  Using the reported 30-late is usually a very close approximation, but not the actual DOFD.

[ilzhoefer]

Well I have a completed short sale (although I have not received the 1099 yet), but it reported late for a year and a half and has now closed, and is reporting 'OK' on the credit reports.

So do I go by the first late or do I wait until I receive the 1099 and then hope they report the correct DOFD on my reports?

[RobertEG]

If the account only reported monthly delinquencies, there would be no requirement to have ever reported a DOFD.

I am unsure of what use the DOFD would be.

You can always file an info request under FCRA 609(a)(1) and see if a DOFD was ever reported.

[RSCo]

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@guiness56 wrote:

On EQ it should say DoFD.  TU has a fall of date.  If it doesn't on these reports and shows a payment history it should be the first late that you had and never became current again.

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I have over 35 accounts and none of the 3 CAs or even here on MyFico have ever shown a date a negative item will fall off.. I have one neg from 2006 that I'm waiting to fall off but I can't find any report or here on myfico that tells me the date is will drop..

[guiness56]

They do directly from TU and EX.  EQ has the DoFD.

You have to click on the TL like you are going to dispute it and it brings up a whole new report.  That will have the fall of date.  Just don't really dispute.

[DiabolicallyRandom]

For some reason the reports I have purchased directly from this site do not show the DOFD. Like Guiness said, I only get it when I purchase straight from Equifax. Reports I have purchased from Experian and Transunion dont show a drop off date. I only see drop off dates on reports from annual credit report. 

[guiness56]

Have you ever tried to dispute one from TU or EX?

And you are right, the ones from ACR do show that.  Maybe that's what I'm thinking of.

[DiabolicallyRandom]

The only thing I have ever disputed was being an AU on a strangers acount that was still active.