@Anonymous wrote:This was my first credit card, secured
I was young and irresponsible and let it default. They used my deposit to pay my balance and closed my account. I tried a GW to the EO and they aren't having it. I will keep trying but want to know if there are other options? Also, can someone tell me when this would fall off since DoFD is n/a? Thanks!
Account Owner: Individual Account.
High Credit: $ 485 Credit Limit: $ 300
Type of Account : Revolving
Terms Frequency: Monthly (due every month)
Date Opened: 08/01/2008
Balance: $ 0
Date Reported: 06/01/2011
Date of Last Payment: 07/2010
Date of Last Activity: 07/2010
Months Reviewed: 34
Activity Description: Closed
Date Closed: 06/2010
Type of Loan: Secured Credit Card
Date of First Delinquency: N/A
Comments: Account closed by credit grantor
DoFD should be 2 months after date of last payment and it would then remain on file for 7 to 7.5 yrs years from that point so I calculate either 09/2017 the 7 year point or 03/.2018 the 7.5 year point. All you can do is continue GW letters until you get the desired result. Good luck 
FYI: According to the law, the deletion date is 7 yrs + 180 days after acct went delinquent (DOFD). That being said, you can start disputing at 6.5 yrs and often the CRAs will delete early. Once you hit DOFD +7 yrs, disputing as obsolete (if it is even still there) will get it deleted.
Starting Score: 472