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DOFD Unclear, CA reporting very recent Date Opened

Mike_D08
Established Member

DOFD Unclear, CA reporting very recent Date Opened

Hi,

I have a CO account that happened in 2016.  The CA is reporting the Date Opened as Dec 2019, which is wrong.  I'm a MyFICO subscriber but I can't see the DOFD on the report.  

  • Is the Date Opened the same as DOFD for CO accounts?
  • What's the best approach to get this deleted from my CR for incorrect reporting?

Thank you, MyFICO members for sharing your knowledge and your support!

 

______________________________
12/08/2008 TR=506 EQ=536 EX=557
Message 1 of 4
3 REPLIES 3
vntrsc
Frequent Contributor

Re: DOFD Unclear, CA reporting very recent Date Opened

The "date opened" does not refer to the date you opened the account with the original creditor.  It is the date the collection account was opened in the collection agency's files.  

Message 2 of 4
LaHossBoss
Senior Contributor

Re: DOFD Unclear, CA reporting very recent Date Opened


@vntrsc wrote:

The "date opened" does not refer to the date you opened the account with the original creditor.  It is the date the collection account was opened in the collection agency's files.  


+1

 

"Date opened" is seperate from DoFD, as the current date they "opened" the CA with them is in fact accurate and there is not likely any innacurate reporting there. "Date opened" does not change DoFD.

 

Good luck!




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Message 3 of 4
Birdman7
Super Contributor

Re: DOFD Unclear, CA reporting very recent Date Opened

To access your DOFD pull an ACR report and look at the OC tradeline.
-Scoring wisdom: Credit Scoring Primer, Payment History, Amount of Debt, Length of History/New Credit, Mix/Disputes/Freezes/Searches, Mortgage Scores/Negative Reason Codes/V.9, Helpful Links,
Anonymous’s Reason Statements Thread,
iv's friendly statement to reason statement concordance,

ccquest’s Workbook to calculate metrics.
Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.




(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
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