Posts: 14,051
Registered: ‎04-15-2011
Re: Reaged Account

I do see an issue with the updating of the DOFD.  If the account went into arrears in 2006 and was closed in 2007 then expected exclusion date of 2018 does impose an updated DOFD for the account.  If the OP has an old CR with the T-Mobile account on it with the original dates on it, then this would be proof of the account being reaged.  Also if the OP could contact the OC and get any information on this account as to when it was closed, this again would give them proof.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!