Re: How do you dispute an innacurate (DOFD) Date of First Delinquenc
10-30-2012 02:54 AM
Which date does the CRA go by when determining the length of time it can be reported? EQ has both a "Date of First Delinquency" column and also a "Date Major Delinquency First Reported" column. These seem redundant but they can have different dates. In my case, the acct was closed in 12/2006, so they have that reporting as DOFD but then under the other column it has a date of 10/2010 when there was no activity on the account at all. And then a "Date Opened" in 9/2010. This makes it look like I had an account with this company and defaulted in 2010, when in reality, the debt buyer probably bought the account in 2010.