DOFD

[Momagain]

Got my second 3B report and verified that some EE were in fact removed.  Looking at some collections that will be rolling of EQ (not touching those with a 10 ft pole) and working of PIF letters for 2 others which (if accepted) will clean up my EQ report.  I know that the dates these account were opened with the collectons agencies are NOT the dates of first delinquency.  Is there a place on this report that the DOFD is actually listed?  If not would the best place to determine those be the actually medical facility (they are all medical debt)?  

[thornback]

You can pull a report for one, two, or all three bureaus from annualcreditreport.com. These reports are much more comprehensive than those acquired from other commercial sources as they are required by Federal law to be offered to consumers, for free, once per year (twice in some states). Those reports should provide the DOFD or Expected Removal Date for derogatory accounts. You can also request your hard-copy (paper) reports be mailed to you by contacting each bureau - those will also provide this info. You can try calling the bureaus and speaking with a rep - but obtaining the reports directly from the source is probably easier / less time consuming.

[Revelate]

Will also say that in days gone by CA’s would often not include a DOFD and as such it was marked by default to be the day it was added to the report. Which is wrong.

DOFD being incorrect is an easy dispute FWIW, has to be right.

[Remedios]

Collection agencies have to report DOFD to CRA within 90 days once reporting starts.

Medical collections are trickier because there is really no set DOFD that's used universally. In some cases , days after first statement became past due are used. In others, it could be three statements later, but most common interpretation is that medical account is delinquent once it becomes past due
Annual credit report must have DOFD or removal date, so that's where you'd want to look.