Some of my account in Trans Union has Date Closed before DOLA

[Anonymous]

Hello, Some of my account in TU credit report has Date closed before DOLA.
For example: DOLA = 6/2005, Date Closed = 8/2002.
On Equifax: DOLA = 2/2002, Date Closed = Not Report
On Experian: DOLA = 2/2002, Date Closed = Not Report
I have the lowest FICO in TU, you think that might be the reason? Should I dispute it?

Thanks,

Message Edited by NeedHelp on 03-14-2008 02:03 PM

[Anonymous]

---

NeedHelp wrote:
Hello, Some of my account in TU credit report has Date closed before DOLA.
For example: DOLA = 6/2005, Date Closed = 8/2002.
On Equifax: DOLA = 2/2002, Date Closed = Not Report
On Experian: DOLA = 2/2002, Date Closed = Not Report
I have the lowest FICO in TU, you think that might be the reason? Should I dispute it?

Thanks,

Message Edited by NeedHelp on 03-14-2008 02:03 PM

---

TU and EX  use DOFD  for drop date.     EQ uses DOLA

Date closed means nothing when it was closed for non pay.  The date that is important id DOFD  which would be before 8/2002.....guessing here......IF you last paid on the account was  2/2002   the OC must report to CRA within 180 days the DOFD. The DOFD should be 3/2002

Going by what EQ is saying DOLA 2/2002    they will delete  2/2009

The DOFD and DOLA may differ by 1 or 2 months

[Anonymous]

I am having some problems with dates as well. 

ok...maybe I have a dumb question.   I have a credit report from True Credit by Transunion.  It does not have any DOFD or DOLA.   Am I looking at the correct report or should I be getting this somewhere else??

Thanks!!!