Valued Member
Watts
Posts: 32
Registered: ‎10-10-2012
This might be a stupid question but....

‎10-10-2012 10:00 PM

How exactly does one see the date of delinquency that is so frequently addressed? Is this reported on the credit report or is this something I need to research?
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Valued Member
HappySoda
Posts: 56
Registered: ‎10-10-2012
Re: This might be a stupid question but....

‎10-10-2012 10:08 PM

Usually on a credit report. Not necessarily on a credit monitoring service. I know places like USAA do not have that information, you have to pull your real report from the agencies directly.

 

 

(208 Views)
 
Valued Member
Watts
Posts: 32
Registered: ‎10-10-2012
Re: This might be a stupid question but....

‎10-10-2012 10:09 PM

So, the date its reporting (not the updated date) is probably the date I need to go by?

I hope so, cause this is the date I have been using.
(206 Views)
 
Moderator
Moderator
Shogun
Posts: 7,375
Registered: ‎04-15-2011
Re: This might be a stupid question but....

‎10-11-2012 05:09 AM

On your CR, TU and EX will list a "date this is expected to be removed", you go back 7 years from that and get your DOFD, on EQ they list the DOFD.  You may have to get more in depth CRs to get this information.  Have you pulled your reports from annualcreditreport.com?   These are your yearly free ones.  Good Luck!

Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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(167 Views)
 
Valued Member
Watts
Posts: 32
Registered: ‎10-10-2012
Re: This might be a stupid question but....

‎10-11-2012 09:53 AM

I did pull my reports, thankfully I was going off of the correct date. =) 

 

Thanks!

(130 Views)