topic Re: DOFD on my fixing report? in General Credit Topics

DOFD on my fixing report?

J91605 — Tue, 21 Jul 2015 21:42:36 GMT

I've been looking for my DOFD for medical collections on MyFico's report. I don't see them am I missing something.

Re: DOFD on my fixing report?

J91605 — Tue, 21 Jul 2015 21:43:53 GMT

Sorry about the title auto correct. I meant MyFico report.

Re: DOFD on my fixing report?

Anonymous — Tue, 21 Jul 2015 21:45:34 GMT

I do not believe the reports you get from MyFico give you the DoFD. You need reports that were pulled directly from a CRA to see that.

Re: DOFD on my fixing report?

J91605 — Tue, 21 Jul 2015 21:50:18 GMT

Thank you

Re: DOFD on my fixing report?

RobertEG — Tue, 21 Jul 2015 21:57:32 GMT

It is common for most types of commercial credit reports to omit the DOFD.

That is apparently based on their assumption that consumers are not saavy and have no clue what a DOFD is.

Some will substitute by giving an expected exclusion date for a collection. An estimated or expected exclusion date provided in a credit report is usually provided based on DOFD plus 7 years, which is when the CRAs normally do their exclusion.

If you have not obtained your free anuual report from annualcreditreport.com within the last 12 months, get a copy there. It may include the DOFD.

You can always, if you have good OC account records, go back and determine the DOFD based on those records. That will also give you some basis, if you obtain the reported DOFD, to evaluate whether it is accurate.

Re: DOFD on my fixing report?

Anonymous — Wed, 22 Jul 2015 03:28:45 GMT

Another reason I am not a fan of MyFicos service. Their forums are great, but their reports and scoring updates leave much to be desired.