CRAs all showing different dates - What can I do?

[Anonymous]

I have a charge off that is listed on all three CRs - problem is the dates they are to fall off:

EXPERIAN 4\2008 (yeah!) for the CA - the OC doesn’t show a DOFD or state when it should drop off, but shows “charge off as of JUL 2002 -- 150 days as of JUN 2002.

TRANSUNION - CA “estimated date that this item will be removed - 06\2008

OC “estimated date that this item will be removed - 08\2008

EQUIFAX - CA - DOFD 07\01

OC - DOFD 02\02 ---- No estimated date for them to be removed.

Anybody have any idea why the credit agencies have an earlier fall off than the original creditor?

Any suggestions what I could do to get the dates more all in line on all the reports - I’m ok with TU and with the CA drop off date, but would like to get the OC date more in line w/ the CA date - Same with EQ.

Should I do anything, or just leave it alone and let time take its course? I’m trying to improves my credit in order to buy a house in about two years.

I sent of PIF for PDF letters this morning for my other 5 baddies. I think I might have luck with four of them - the other one I don’t think I have a chance in hell (TXU - utility), but it won’t hurt to try.

I am at about 95% utilization on my credit cards, but will have them paid down to 1 - 5% within the next three months. When this happens - and especially if I’m successful with 4 of the 5 PFDs do you think I will see a large increase in my scores? I’ve paid everything on time, with absolutely no dings on my credit for the past three years.

Any comments or suggestions will be greatly appreciated.

2-25-08: FACOs TU 534 EQ 534 EX 513

FICOs TU 546 EQ 600 EX 550

[Anonymous]

Anybody?

*bump*

[Anonymous]

you should see a very healthy increase in scores just from the major reduction in util. If you manage to get those baddies off too that would be a bonus but the older they are the less they help/hurt. lowering the util will likely bring immediate results.

[Anonymous]

KEEP A COPY OF THIS REPORT!!!!

150 days is 5 months - so Jan/Feb  of 2002 for DOFD  In July you can dispute as 'obsolete' on this one based upon the DOFD the CA is showing (your report is proof) - might need to wait until Septemebr though if they match to the OC.

OC is probably using charge-off date (legal for them to do so FCRA allows for 7-7.5 years reporting  after the deliquency to allow OC to use their preferred date.

I would just leave them alone (no disputing) - they all disappear this year.

[Anonymous]

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@Anonymous wrote:

KEEP A COPY OF THIS REPORT!!!!

150 days is 5 months - so Jan/Feb of 2002 for DOFD In July you can dispute as 'obsolete' on this one based upon the DOFD the CA is showing (your report is proof) - might need to wait until Septemebr though if they match to the OC.

OC is probably using charge-off date (legal for them to do so FCRA allows for 7-7.5 years reporting after the deliquency to allow OC to use their preferred date.

I would just leave them alone (no disputing) - they all disappear this year.

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Lady_Scarlet, do you mean they allow the OC to use the charge-off date but still use the DOFD to determine fall-off and then add 1/2 year or so to allow for that? I have a couple items where CO is 2-3 years after DOFD, but as I understand your post, these would still fall off 7 to 7 1/2 years after DOFD not CO.