Valued Member
Watts
Posts: 32
Registered: ‎10-10-2012
This might be a stupid question but....
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?
Valued Member
HappySoda
Posts: 56
Registered: ‎10-10-2012
Re: This might be a stupid question but....

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.

 

 

Valued Member
Watts
Posts: 32
Registered: ‎10-10-2012
Re: This might be a stupid question but....
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.
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
Re: This might be a stupid question but....

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!


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July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
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Valued Member
Watts
Posts: 32
Registered: ‎10-10-2012
Re: This might be a stupid question but....

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

 

Thanks!