question on PFD refusal

[rose214]

DaBears---where do I find DOFD? Is that lilsted on my report?

[guiness56]

If you get your reports directly from the CRAs or annualcreditreport.com, EQ will have the DOFD, TU and EX will show a drop off date.

Or you can call each CRA and ask for the FCRA Compliance Date on those accounts.

[rose214]

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@guiness56 wrote:

If you get your reports directly from the CRAs or annualcreditreport.com, EQ will have the DOFD, TU and EX will show a drop off date.

Or you can call each CRA and ask for the FCRA Compliance Date on those accounts.

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ok this is what I show from Experian

date opened: 1/2012

Reported since 2/2012

Date of status: 2/2012

last reported: 4/2013

those are all the dates given to me. is it the date opened that is the DOFD?

[guiness56]

No, none of them are the DoFD.  Where did you get the EX report?

[rose214]

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@guiness56 wrote:

No, none of them are the DoFD.  Where did you get the EX report?

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That's the report I got online at experian.com. I have a membership with them and that's what they gave me when I ran the new report yest.

[guiness56]

If you can still go online with the report, there should be a dispute button on the account.  If you click it a new report will be brought up and it will show a drop off date.  Don't actually dispute the account just look for the date then get out of it.