Date of Last Activity - Feb 2001 - Deleted in 2008?

[Anonymous]

EQ uses DOLA for drop dates-
Leave it alone it will delete in Feb.

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@SmartCookie wrote:

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@Anonymous wrote:
I called back to dispute this and the new lady said -no- it did not reset the 7 year clock. I was emphatic to the first lady that it did not reset the clock but she disagreed. Anyway, the new lady gave me a confirmation number and I have to call Monday to dispute it over the phone (which she said was the best way).

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No clue what the first rep was on.... yikes! I was hoping they would be able to give you the exact date because I am only guessing that the 2nd rep meant exactly 7 years to the month.

Again, I do not recommend disputing this as again it is so close to dropping. They might dig up an accuracy that might work for you, but also they might dig one up one that has you banging your head against the wall. Just be warned.

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[Anonymous]

Thanks SmartCookie and Timothy.

More questions:

DOLA will cause it to drop even if EQ current report says Date Reported 10/07?

What do these Date Opened, Date Reported, Date closed, etc mean?

I disputed Credreinc from the EQ MyFico in 7/07 since it lists no original creditor and no account # and I never had a credit card more than $1000 and it was $5500.

Here are what they each say about Credigy -

Equifax via MyFico 7/07:
Date of Last Activity 2/01

Equifax 10/07:
Dated Opened N/A
Date Reported 10/07

Experian:
As of Oct 2007
Date Opened 12/02
Reported Since: 01/06
Last Reported Date 10/07

TransUnion via MyFico:
Date assigned, 12/27/02
Date reported 5/30/07
Date closed 7/1/01

Message Edited by kbox on 11-04-2007 10:39 AM

[Anonymous]

Last question, if it is deleted by one credit bureau will the rest delete it too? May 2001 could be the last time I made a payment on this but it could have been in 2000.

I don't understand what Date Reported means, assuming the Date you Open account it reports the next month to the credit bureaus, therefore is Date Reported when it was first late?

Thanks again!

MBNA/BOA $1500 credit line now $2500 debt

Experian 10/07
Scheduled to be deleted 5/08

Equifax via MyFico 8/07
Date Opened 11/99
Date of Last Activity 8/01

Equifax 10/07
Date Opened 10/99
Date Reported 02/04

TransUnion via MyFico 7/07
Date Opened 10/99
Last Activity 1/02
Date paid out 1/02
Date closed 3/02

Message Edited by kbox on 11-04-2007 10:46 AM

Message Edited by kbox on 11-04-2007 10:47 AM

[Anonymous]

Date opened - date the account was opened by THIS creditor

Date reported- Last date they updated/refreshed your Credit report

Date closed- Date the account was closed or sold


Reported Since - when they started reporting the acct.

[Anonymous]

Everyone but EQ goes by DOFD- for delete
In my experience if the account is being reported accurately TU and EX remove before EQ. This simply because the account will do 30 days late BEFORE a status change-

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@Anonymous wrote:
Last question, if it is deleted by one credit bureau will the rest delete it too? May 2001 could be the last time I made a payment on this but it could have been in 2000.

I don't understand what Date Reported means, assuming the Date you Open account it reports the next month to the credit bureaus, therefore is Date Reported when it was first late?

Thanks again!

MBNA/BOA $1500 credit line now $2500 debt

Experian 10/07
Scheduled to be deleted 5/08

Equifax via MyFico 8/07
Date Opened 11/99
Date of Last Activity 8/01

Equifax 10/07
Date Opened 10/99
Date Reported 02/04

TransUnion via MyFico 7/07
Date Opened 10/99
Last Activity 1/02
Date paid out 1/02
Date closed 3/02

Message Edited by kbox on 11-04-2007 10:46 AM

Message Edited by kbox on 11-04-2007 10:47 AM

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