topic Re: cofused about DOFD in Rebuilding Your Credit

cofused about DOFD

Anonymous — Wed, 15 Apr 2009 22:14:01 GMT

please help confused to when you use dofd I have an acct that is dated back to 2002 can i use that to have it removed my first deliquincy was march of 2002 or what date would i use thank you

Re: cofused about DOFD

Anonymous — Wed, 15 Apr 2009 22:16:48 GMT

Fused just posted to a very similar question:

DOLA, DOFD, SOL

Re: cofused about DOFD

Anonymous — Wed, 15 Apr 2009 23:50:52 GMT

DOFD is not the first date you were ever late on the account.

It is the date you went delinquent and never caught up prior to to charge off/collection/other similar action.

Re: cofused about DOFD

Anonymous — Thu, 16 Apr 2009 00:38:51 GMT

ok thanks for clearing that up I made this acct current and paid it off before it was supposed to be paid off. what date do i go by to see when it should fall off? it has 30/60 lates on it

Re: cofused about DOFD

Anonymous — Thu, 16 Apr 2009 00:46:38 GMT

It might be removed 7 years from date it was closed, since it was a negative account.

However, the lates will fall off one by one as they reach 7 years, and the account could end up being a positive account, which will report for 10 years from date closed.

When were the lates? When was it closed?