Valued Contributor
Posts: 3,001
Registered: ‎02-09-2012
Re: How do you dispute an inaccurate (DOFD) Date of First Delinquency Date?

Robert, great post, and as always; thank you for the info.


I'll be doing just this as soon as my SOL expires at the end of this year.  My DoFD is so inaccurate, it's laughable.  I stopped making payments on my car 09/07 - 2 of 3 (yes, not all CR have same reporting date) show DoFD as 05/08.  The issue with this is, that was when the car was repo-ed which is something that no bank would do if you were less than 30 days late.  They repo-ed the car because they hadn't receive a payment in nearly 8 months...

5/2012: 560 credit scores across the board
12/2014: 750+ scores across the board
Get those baddies removed!!!