Date of Last Activity

[Anonymous]

Hello.  I am assisting my sister clean up her credit.  She has a lot of old accts on her Equifax report that say "n/a" in the date of last activity field.  What date do we use to determine the 7 yrs?  There is a date reported date.  Shouldn't there be a date of last activity?

Also, on her Experian report we are not sure what date to use to determine the 7 yrs as Experian does not have a "date of last activity" date.

Thank you!

[Anonymous]

dates ex,tu, = dofd eq, = dola

[Anonymous]

I'm sorry.  I am new to the forums and still doing a lot of reading.  What does dates ex,tu, = dofd eq, = dola  mean?

[annah]

date of last activity

date of first deliquency

[Anonymous]

Thank you!  So are you saying if there is no date of last activity to use the date major delinquency first reported date as the date to determine the year the 7 years the item will stay on the report started?   

[Anonymous]

If the EQ report does not show a DOLA

Call them up and ask for it.

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SplashAtl wrote:

Hello.  I am assisting my sister clean up her credit.  She has a lot of old accts on her Equifax report that say "n/a" in the date of last activity field.  What date do we use to determine the 7 yrs?  There is a date reported date.  Shouldn't there be a date of last activity?

Also, on her Experian report we are not sure what date to use to determine the 7 yrs as Experian does not have a "date of last activity" date.

Thank you!

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[Anonymous]

Thank you!