"date of last activity "varies on all 3 reports...

socolisa9 · ‎01-18-2008

i just pulled my reports, trying desperatley to clean up my credit.

portfolio and the date of last activity on all 3 reports different, so does washington mutual.

what should i do? on 2 they are ready to fall off per 7 year rule.

Anonymous · ‎01-18-2008

look at EX and TU.....they go by DOFD only EQ goes by DOLA.

Look for something typed....will remain on CR until month/year.....if you can't find it call the CRAs and ask.

socolisa9 · ‎01-20-2008

so the 7 yr rule goes by the DOLA reguardless ?

Anonymous · ‎01-20-2008

No- It does by the DOFD

Eq just uses the DOLA field for this purpose.

socolisa9 wrote:

so the 7 yr rule goes by the DOLA reguardless ?

Anonymous · ‎01-20-2008

So the same item, with same DOFD and DOLA, will stay on EQ longer because they use DOLA? Doesn't sound right. Can you confirm?

Anonymous · ‎01-20-2008

No you misunderstood-

EQ freezes the DOLA date- it turns into when the "Status" was changed-

Boscoe wrote:

So the same item, with same DOFD and DOLA, will stay on EQ longer because they use DOLA? Doesn't sound right. Can you confirm?

Anonymous · ‎01-20-2008

NOOOOOO EX and TU use DOFD date EQ uses DOLA

These dates can be different but only by a few months

now state....SOL usually goes by DOLA

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=8713

SOL is the time in which a creditor can file suit against you. CRTP is all about CR

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=17466

DOLA confuses I think almost everyone ONLY when it comes to CR and drop dates. You would think that DOFD must come first but the way that they figure it ya never know.

OMG I can't spell at all tonight!!

Message Edited by HappyDays on 01-20-2008 10:27 PM

Message Edited by HappyDays on 01-20-2008 10:29 PM

Message Edited by HappyDays on 01-20-2008 10:30 PM

Anonymous · ‎01-21-2008

So, to clarify, we can dispute any entry on any CR that is 7 years past the DOFD, right? Even though EQ freezes DOLA, we can still use DOFD as the reference point to dispute the item as obsolete?