topic DOFD? in Rebuilding Your Credit

DOFD?

Anonymous — Sun, 02 Aug 2020 12:48:33 GMT

Hi, new to the forums. Repairing my credit and I can across this account. Is my DOFD correct based on my payment history?

I have sporadic lates across 2013-2017. My first one is October 2013 and my last one is October 2017. I made my last payment in December 2017 which paid off my car loan. My DOFD is listed as December 2017. Is this correct?

Re: DOFD?

gdale6 — Sun, 02 Aug 2020 13:35:03 GMT

@Anonymous wrote:
Hi, new to the forums. Repairing my credit and I can across this account. Is my DOFD correct based on my payment history?

I have sporadic lates across 2013-2017. My first one is October 2013 and my last one is October 2017. I made my last payment in December 2017 which paid off my car loan. My DOFD is listed as December 2017. Is this correct?

A DoFD is only set when an account is charged off. I dont see that this one did so.

Re: DOFD?

FireMedic1 — Sun, 02 Aug 2020 13:31:56 GMT

It will become a clean account when the last late falls off. Now if it was a per say 90 day late. It will fall off when the 30 day that led to the 90 ages to 7 yrs. Or as they call it a string of lates.

Re: DOFD?

Anonymous — Sun, 02 Aug 2020 13:44:57 GMT

Ok. Thanks!