https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/using-CK-where-Is-DOFD/m-p/5515548#M581639 <P>The actual, separate reporting of a DOFD is only required if a charge-off or collection has been reported.&nbsp; FCRA 623(a)(5).</P><P>Is it a creditor account with a charge-off, or a collection?</P><P>&nbsp;</P><P>While creditors and debt collectors are required to have reported a DOFD once a charge-off or collection is reported, commercial credit reports usually do not include that information in their normal credit reports.</P><P>If a DOFD was required to have been reported and is not shown in your credit report, it should be shown in either a report obtained from the government-sanctioned site at annualcreditreport.com, or in a report obtained directly from the CRA.</P> Sun, 24 Feb 2019 21:27:53 GMT RobertEG 2019-02-24T21:27:53Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/using-CK-where-Is-DOFD/m-p/5515541#M581637 Is it listed under something different? closest thing i see is date of last payment. Thanks! Sun, 24 Feb 2019 21:22:19 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/using-CK-where-Is-DOFD/m-p/5515541#M581637 Anonymous 2019-02-24T21:22:19Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/using-CK-where-Is-DOFD/m-p/5515548#M581639 <P>The actual, separate reporting of a DOFD is only required if a charge-off or collection has been reported.&nbsp; FCRA 623(a)(5).</P><P>Is it a creditor account with a charge-off, or a collection?</P><P>&nbsp;</P><P>While creditors and debt collectors are required to have reported a DOFD once a charge-off or collection is reported, commercial credit reports usually do not include that information in their normal credit reports.</P><P>If a DOFD was required to have been reported and is not shown in your credit report, it should be shown in either a report obtained from the government-sanctioned site at annualcreditreport.com, or in a report obtained directly from the CRA.</P> Sun, 24 Feb 2019 21:27:53 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/using-CK-where-Is-DOFD/m-p/5515548#M581639 RobertEG 2019-02-24T21:27:53Z