topic Where can I see the date of first delinquency? in General Credit Topics

Collections Account question

Anonymous — Wed, 28 Mar 2007 02:44:32 GMT

What date is used to determine the 7 year limit of when a collections account drops off your credit history? The date assigned, date reported, balance date, date of last activity or status date? These dates are all listed under the description of the collections account. Thanks!

Date of first delinquency. For medical accounts, the date...

Anonymous — Wed, 28 Mar 2007 08:34:52 GMT

Date of first delinquency.

For medical accounts, the date of service.

Where can I see the date of first delinquency?

Anonymous — Wed, 28 Mar 2007 14:15:08 GMT

Where can I see the date of first delinquency?

FCRA

Anonymous — Wed, 28 Mar 2007 16:46:01 GMT

Under the FCRA it is the date it is first reported to the credit bureaus (very similar to the post above stating date of first delinquency).

DOFD is required to be reported to the credit reporting a...

Anonymous — Wed, 28 Mar 2007 21:20:45 GMT

DOFD is required to be reported to the credit reporting agency, but it is not required to be reported to you or to any third party.

For Experian, I just call them.

The other agencies list an "FCRA compliance date" on their paper reports (which is basically the date the item will fall off, so you can infer the DOFD from there).

Re: DOFD is required to be reported to the credit reporting a...

MercyMe — Fri, 13 Apr 2007 15:51:29 GMT

Wow, am I confused! DOFD? Date of last activity? Date of last payment? Which is it? Just today I was told by a Sun Trust bank representative, at their credit dispute dept. that an account that was charged off on 02/2003, but reported late a year before (2/02) won't fall off until 2011, as on 9/04 I paid the charge off, in full. Now I know, following the birth of my disabled child, I was late a few times, since 1997, and the loan -- an unsecured home improvement loan, taken out in 1987, with a term of 180 months, was drug out all these 10 long years, due to my attempts to pay, and eventual payment in full. This charge off, regardless of the fact that it was paid, continues to knock my credit to bits -- 30 points off just this week when Sun Trust updated and in spite of reporting it "paid charge off" they also report continuing payments being made on the account from the year 2000-March 2007!!! Equifax, Experian and Transunion, therefore, drop my score significantly each and every time Sun Trust updates/reports the old charge off and continuing payments. Does this make any sense to you at all? Forgive me the length of this, as I try to recreate it. Thanks.

Account number XXXXXXXXX Current Status: CHARGE OFF

Account owner: High Credit: $10,828

Type of account: Installment Credit limit: $0

Term: 180 months Terms/frequency

Date opened: 08/1987 Balance: $0

*Date reported: 04/2007* Amount past due: $0

*Date last pmt: 09/2004 Payment amount: $0

*Scheduled pmt

amount: $0 Last Activity: 02/2003

*Date major

delinquency first

reported:

Re: DOFD is required to be reported to the credit reporting a...

MercyMe — Fri, 13 Apr 2007 16:05:45 GMT

Oops .... hit tab .... to continue:

Date Major delinquency reported: Months reviewed: n/a

Creditor Classification: Activity description: Paid and closed

Charge off amount: $0

Date closed: 02/2003 Type of loan: Unsecured

Comments: Account closed by consumer. Paid charge off.

81 month payment history

Year Jan Feb Mar Apr May Jun Jul Aug Sept Oct Nov Dec

2007 * * *

2006 * CO * * * * * * * * * *

2005 * * * * * * * * * * CO *

2004 * * * * * * * * * * * CO

2003 * * * * * * * * * * * *

2002 * * * * * * * * * * * *

2001 * * * * * * * * * * * *

2000 * * * * * *

Payment history key:

Pays or paid as agreed *

Please explain this to me. Thanks.