Is DOFD for collection account the account open date?

[Anonymous]

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@Anonymous wrote:

@GrandBay It is showing the same on all three. 

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This looks like an internal CA from a Cell company, my guess, maybe Verizon? They seem to like to do their own OC/CA reporting once an account goes sideways.

Looks like DoFD was 6 months after you opened the account with the cell/telecommunucations provider. Is that the case?

For a lot of utility/cell CAs, basically any account that shows no original account on your credit reports, I feel like they use the CA "open date" or the "close date" of the utility/cell account for DoFD.

I have a utility CA exactly like this and had a cell CA exactly like this. DoFD would have been basically the entirety of the account existince, but that would be too easy. They simply used the "closed date" for the OC and "open date" for the CA as the DoFD. I had zero leg to stand on because these accounts were so old I no longer have record of them accessible and there were no e-statements at the time, so I suck it up and wait them out since I am right at the end because I do not feel that is right. But if you want them off your reports and they PFD, that will be your best bet. You are close though, so it is your choice.

If the dates are the same across all three (hard to believe since EX builds in 2 months of EE) then you can request EE from TU in Oct, EX in Sept, and patiently wait for it to age off EQ in March.

[Anonymous]

@Anonymous The DOFD is the same for all three reports, but not the date it falls off. It was a Verizon bill that didn't hit my report until it went to collections. That's why it doesn't make sense to me that the DOFD is 6 months after it went to collections.

I am under 5/24 at the end of this month and plan to apply for a Chase card, so I was hoping to EE these 4 baddies. I guess my only hope is calling Verizon to see if I can manage to get them to just remove it. 

[Anonymous]

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@Anonymous wrote:

@Anonymous The DOFD is the same for all three reports, but not the date it falls off. It was a Verizon bill that didn't hit my report until it went to collections. That's why it doesn't make sense to me that the DOFD is 6 months after it went to collections.

I am under 5/24 at the end of this month and plan to apply for a Chase card, so I was hoping to EE these 4 baddies. I guess my only hope is calling Verizon to see if I can manage to get them to just remove it. 

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Since it was the OC, they put the open date of the account for when it was originally opened, since it is Verizon, themselves, reporting, but the DoFD was 6 months after because you went delinquent 6 months after it was opened.

Am I incorrect here? Had you had Verizon service for years? The true tell will be when the account was originally opened.

The dates to age off are different, for the reasons I listed above.

[Anonymous]

@Anonymous Good question. I went digging through my emails and it looks like I got service with them in 2012. I have a bill notification from them dated 06/2015 for $45. I honestly have no idea what I was doing. I wish I had some better records.

[Anonymous]

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@Anonymous wrote:

@Anonymous Good question. I went digging through my emails and it looks like I got service with them in 2012. I have a bill notification from them dated 06/2015 for $45. I honestly have no idea what I was doing. I wish I had some better records.

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It can be rough with older debts.

I have an old utilities CA where the "open date" is the DoFD, which is completely untrue. I (embarrassingly enough) was basically late from the beginning, without ever bringing my account all the way current - for 3 years basically. My account should already be past the reporting period, but I cannot prove it because they did not offer e-statements and my hard copies are across the country, buried somewhere in a large storage facility. I meam, the utilities had been turned off for 6 months +/- so there is no way DoFD was later when the CA was opened.

I keep all paperwork, but the cost vs effort is not there for me (time from work, cost of travel, time to dig and find the paperwork, and then the time to fight it and correct the DoFD - maybe). The CA thankfully does PFD or I can just wait them out another year. I have not yet decided fully.