Where to find DOLA

[BGMWPD320]

I live in Texas so the SOL is 4 years.  Where can I find my DOLA?  I don't see it listed on my CR, all I see is date the account was opened, which is almost four years ago.

[BGMWPD320]

Collection on debt to: 06 Progressive Insurance Company

The collection agency "Collection" was hired to collect a debt of $351 originally owed to "06 Progressive Insurance Company" on account number "XXXXXXXX".

Collection agency [?] Collection

Original balance [?] $351

Current balance [?] $351

Status [?] Not Reported

Date assigned [?] Apr 05, 2005

Date reported [?] Jun 01, 2008

Date last active [?] Not Reported

Date paid [?] Not Reported

Date closed [?] Not Reported

Original lender [?] 06 Progressive Insurance Company

Account number [?] XXXXXXXX

Type of account [?] Not Reported

Account holder [?] Individual

Type of credit [?] Not Reported

Payment status [?] Not Reported

Largest past balance [?] Not Reported

Amount past due [?] Not Reported

Account descriptions [?] Not Reported

With that much information not being reported what should I do? BTW, this isn't the account I was referring to in my original post.  I found the DOLA for that account so I still have about a year before the SOL.

[llecs]

Try pulling your original reports directly from the CRA and you'll find more info including CA contact info and more dates.

[Erica1]

I've actually been having this problem as well.  So far I've gotten my TransUnion and Experian reports and am having trouble deciphering the DOLA.  I don't want to be wrong and make contact with the CA's.

On the TransUnion report the only dates are:

Date Updated, Date Placed for Collection, Date to be Removed

On Experian, the dates are:

Date Opened, Reported Since, Date of Status and, on most, the date it will come off is listed in Status Details.

I was thinking take the Date to be Removed, go back 7 years, then up 5 (my SOL).  Am I making this more difficult than it really is?

[llecs]

I wouldn't worry too much about DOLA. On those TU and EX reports, if it is a CA or a non-CC baddie, you will find a drop off date. Take that date and subtract 7 yrs and you will find DOFD. DOLA, per SOL purposes, is usually right after that date by a couple months. If it pertains to a doctor's visit or a solitary event like a returned check, then DOFD is the DOLA. However, if you paid on the debt, then SOL could have been reset. You'd have to trust the report date or go back in your own record to see when you last paid on the debt.

In short, do as you suggested - roll back the date.