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i have a reposession from 2010 and im confused on what i should do if the 3 CRA are reporting different DOFD's. EQ and EX are showing 11/2010 but TU is showing 4/2011. im not sure when i became delinquent but i do know it was in 2010. should i dispute with transunion to verify DOFD or contact the OC for a DV. any advice is appreciated. thanks.
The DOFD only applies to the exclusion of a reported collection or a charge to profit and loss, or its equivalent.
What are the details of the repo?
When the vehicle was finally sold, did they take a loss, or did they ever report a charge-off?
the status on my CR shows reposession. i called the OC (BECU) and they sold it to Sentry Collections. I have not received any notice or call from Sentry and i have yet to contact them.