No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I have paid off a chargeoff PRIVATE student loan for my daughter with Date Major Deliquency First Reported is Feb 2014. No rehab, no forebearance nothing just when i found out wrote a check for balance & paidoff. Had so many lates
Now, how do i get this off my credit report the soonest !!!!!
02/2014 dofd Chargeoff Amount : $ 4,546; Date of First Delinquency is November 2013. Date of Last Pay Nov 2016.
First 30 days delinquency per 81 months History happened November 2012.
Consumer disputes after resolution,
Account paid for less than full balance
Exclusion of the reported charge-off is no later than 7 years plus 180 days from the DOFD.
No date other than the DOFD is relevant to credit report exclusion.
The post is a bit confusing as to DOFD, which is stated to be both 11/2013 and 2/2014, with a first delinquency having occured in 11/2012.
The DOFD that is relevant to the exclusion of the charge-off is the date of the first delinquency in the consecutive chain of delinquency that led up to and included the date of the charge-off.
When did the account first become delinquent, and was it thereafter paid back into good-standing, with a new chain delinquency occuring that led up to the charge-off?
Where are you getting the DOFDs that are referred to in the post? Does your credit report show that to be the DOFD that was reported by the creditor?