topic Re: Date of Original Delinquency in Rebuilding Your Credit

Date of Original Delinquency

SamIL — Wed, 12 Jul 2023 17:19:30 GMT

Hi, I have a collection on my credit report, but the original account does not appear to be on my report. How can I find the original deliquency date if the account is not present? Anyone have any ideas? Thanks!

Re: Date of Original Delinquency

GZG — Wed, 12 Jul 2023 17:21:13 GMT

@SamIL wrote:
Hi, I have a collection on my credit report, but the original account does not appear to be on my report. How can I find the original deliquency date if the account is not present? Anyone have any ideas? Thanks!

do they list it on your Equifax report? DoFD has its own line item on EQ reports, it might be reported in a more clear way on the EQ report

https://www.annualcreditreport.com/

Re: Date of Original Delinquency

SamIL — Wed, 12 Jul 2023 17:47:43 GMT

Thanks GatoradeZeroGuy! This was really helpful. Appreciated!!!

Re: Date of Original Delinquency

IamWesty12 — Sat, 15 Jul 2023 12:26:27 GMT

@SamIL wrote:
Thanks GatoradeZeroGuy! This was really helpful. Appreciated!!!

@SamIL exactly. The DOFD is the first 30 day late that led to the acct being charged off. That is your time stamp. 7 years from that first 30 day late is when it will be gonzo for good!