topic Who's right? in Rebuilding Your Credit

Who's right?

Anonymous — Tue, 26 Aug 2008 04:31:10 GMT

Experian, Equifax and TransUnion have different estimated fall off dates, who's right?

1st Account

EXPERIAN

This account is scheduled to continue on record until Apr 2009

TRANSUNION

Estimated date that this item will be removed: 01/2009

EQUIFAX

Date of First Delinquency:

07/2002

_________________________________________________________________________________

2nd Account

TRANSUNION

Estimated date that this item will be removed: 04/2009

EQUIFAX

Date of First Delinquency: 05/2002

EXPERIAN

Dont have one for this account, why?

____________________________________________________________________________________

3rd Account

EXPERIAN

This account is scheduled to continue on record until Dec 2008

EQUIFAX

Dont report this one, why?

EXPERIAN

Dont report this one, why?

Message Edited by John_NM on 08-25-2008 09:31 PM

Re: Who's right?

Anonymous — Tue, 26 Aug 2008 05:05:05 GMT

On #1 your getting a deal if the DDOFD is correct the removal date should be June 09

# 2 is correct- the DOFD and removal dates match up (7 years)

#3 No idea

On EQ reports- look at the DOLA field- as this is what eq uses for FCRA compliance date...

Re: Who's right?

Anonymous — Tue, 26 Aug 2008 05:34:52 GMT

John_NM wrote:
_________________________________________________________________________________

2nd Account

EXPERIAN
Dont have one for this account, why?
____________________________________________________________________________________
EQUIFAX
Dont report this one, why?

EXPERIAN
Dont report this one, why?

Message Edited by John_NM on 08-25-2008 09:31 PM

Some creditors only report to one or two of the CRAs, they don't all report to all the CRAs.

Re: Who's right?

Anonymous — Tue, 26 Aug 2008 13:37:42 GMT

My EQ reports for the DOLA field states N/A.... This is a good thing right?

One reports a 1/2009 DOFD and the other reports 4/2009. Which one should I pay attention too?

Thanks guys.

Re: Who's right?

RobertEG — Tue, 26 Aug 2008 19:56:33 GMT

The falloff date under the FCRA for a CA or collection is 7 years plus six months from the DOFD.

Re: Who's right?

Anonymous — Tue, 26 Aug 2008 23:52:34 GMT

Six months!!!! Darn it, but thanks for answering