The post related to a DOFD on the account that is after the date closed, not a charge-off after the date closed.
As such, the scenario does not make sense to me.
Was the account delinquent when they closed it? If so, then the DOFD at the time of account closing must have preceded the closing date.
A DOFD can only be reset if the account is later brought back into good-standing, and a new first delinquency occurs. Was the account paid back into good standing after it was closed?
Additionally, even if a DOFD is reset, the DOFD that applies to exclusion of a charge-off must, as set forth in section 605(c), have been the first delinquency that immediately preceded the charge-off, not a new DOFD that might have occured if the account was brought back into good standing after the charge-off.
The reporting does not appear accurate to me unless the account was brought back into good-standing after closed, a new first delinquency occured, and the charge-off was after that new DOFD. Not likely on a closed account........
