topic Re: CA doesn't disclose DOFD in Understanding FICO® Scoring

CA doesn't disclose DOFD

Anonymous — Thu, 14 Jun 2007 21:44:24 GMT

I recently spoke with my very last collection. I have attempted disputing it several times. It got deleted through TU, remains on EX, and I am unable to contact EQ to dispute. I contacted the CA to inquire on the DOFD. They danced around and gave me other dates, then proceded to tell me the date of deletion is 7 1/5 years from the date reported to the agency (which I know is not true). Is it an automatic deletion if they can not retrieve the DOFD?

Re: CA doesn't disclose DOFD

Tuscani — Fri, 15 Jun 2007 01:02:46 GMT

DOFD is generally obtained from the CRA.

Why can't you contact EQ?

Re: CA doesn't disclose DOFD

Anonymous — Fri, 15 Jun 2007 01:44:09 GMT

I have made numerous attempts to go through csc, without success. I finally called eq directly today, and waited on the phone for 20 minutes without an answer. I guess I will have to keep calling until I get through. Thanks for the info on the DOFD. These threads are very useful, but there is just so much in them to learn. Sorry if my questions are repetitions from other threads.

Re: CA doesn't disclose DOFD

Tuscani — Fri, 15 Jun 2007 03:15:28 GMT

No worries.

PS... If your file is handled by CSC EQ won't do anything for you.

Re: CA doesn't disclose DOFD

Anonymous — Fri, 15 Jun 2007 03:27:08 GMT

If the same collection is listed on EX, doesn't their report display a "this will be removed on" date? If so, that removal date would be DOFD + 7 years or thereabouts.

Re: CA doesn't disclose DOFD

Tuscani — Fri, 15 Jun 2007 12:21:37 GMT

Revike wrote:
If the same collection is listed on EX, doesn't their report display a "this will be removed on" date? If so, that removal date would be DOFD + 7 years or thereabouts.

Perhaps.. don't assume the other CRAs have the same info.

Message Edited by Tuscani on 06-15-2007 07:21 AM

Re: CA doesn't disclose DOFD

Anonymous — Fri, 15 Jun 2007 14:57:53 GMT

My collection isn't supposed to fall off until mid year 2008. I disputed it on TU and it got deleted. EX doesn't show the date. EQ, I can't even access CSC to get a copy of my credit report. I was surprised when my last collection fell off of TU, my credit score did not go down. Maybe in time, I will enter the cleaner, nicer pool and it will have a negative effect. I am just anxious to have all of the baddies gone.

Re: CA doesn't disclose DOFD

Anonymous — Fri, 15 Jun 2007 18:23:49 GMT

@Anonymous wrote:
My collection isn't supposed to fall off until mid year 2008. I disputed it on TU and it got deleted. EX doesn't show the date. EQ, I can't even access CSC to get a copy of my credit report. I was surprised when my last collection fell off of TU, my credit score did not go down. Maybe in time, I will enter the cleaner, nicer pool and it will have a negative effect. I am just anxious to have all of the baddies gone.

If you have some time to kill, you could try calling EX and asking for the DOFD. Also, are you looking at your EX report data through a service like TrueCredit, or did you actually get a credit report directly from EX? My wife requested a free copy of her EX report through annualcreditreport.com and that report showed the removal date for the bogus collection on her CR.

Tuscani's right, a CA could report different DOFDs to each CRA. But if the account number, balance, and other dates for this collection are the exact same on the CRs from both EQ and EX, there's a good chance the DOFD would be the same.

Re: CA doesn't disclose DOFD

Anonymous — Fri, 15 Jun 2007 18:43:27 GMT

I tried that today..... Explained what a DOFD was 3 times to the slug on the other end of the line. I kept getting the date of last activity. Which if I am not mistaken is not necessarily the same as the DOFD since I have made a few payments on it since it went bad. Another sterling example of EQ.

Re: CA doesn't disclose DOFD

Anonymous — Fri, 15 Jun 2007 20:30:55 GMT

Just consider yourself lucky your acct is through eq. CSC is repeatedly unavailable to ask questions or dispute. I contacted EX today and they were more than happy to verify my information, as well as TU. I am anxiously awaiting Oct. for my last collection to fall off. (If I don't have to fight for my eq to be corrected)!!!!!

Re: CA doesn't disclose DOFD

Anonymous — Fri, 15 Jun 2007 20:37:37 GMT

I received my credit report directly through EX and TU. EX doesn't show dofd, or an estimated fall off date, but TU does. Calling EX and TU wasn't too painful. They were more than happy to retrieve my request. I guess they don't hate me too bad........yet!!!!

Re: CA doesn't disclose DOFD

Tuscani — Fri, 15 Jun 2007 23:05:52 GMT

pa78492 wrote:

I received my credit report directly through EX and TU. EX doesn't show dofd, or an estimated fall off date, but TU does. Calling EX and TU wasn't too painful. They were more than happy to retrieve my request. I guess they don't hate me too bad........yet!!!!

Good deal! Keep us updated.