DOFD question/advice

[chocoleproso]

Hi guys,

Quick question on date of first delinquency. 

I have an auto loan that was paid off in 2020. I had a string of late payments up to around 30 or so with the last late payment being reported 2 years and 9 months ago. There are a bunch of NR's sprinkled in between the actual late payment being reported. Example:

90,90, NR, NR, 90, 60, NR, 60, etc .. until getting current and eventually paying off the loan. 

This comes across on all three reporting agencies directly from my annual credit report. 

My question is this. On all three agencies, there is no date of first delinquency being reported. 

Is it worth asking the credit agencies to provide the DOFD? Or might I inadevertently do something to lengthen the time I estimate they will fall off?

The loan originated in August 2012 and paid off in 2020. The first dates of delinquency on the reports are 2016 but there are NR before then and I imagine I had late payments before that that may have dropped off due to it being 7 years already. I am guestimating they would fall off this time next year based on when I see the first actual 30 day date listed. 

If you think it is a good idea to ask for DOFD, would I do it through the CRA's or through the lender directly and if it makes a difference?  

This is the only negative on my credit report which I am anxious to finally get rid of. 

Thanks!!

[gdale6]

A DoFD was never set as the account never went to charged off or repo status. Each of those lates drops at the 7 year mark until the loan becomes a complete positive.

[chocoleproso]

Wow! Thanks for the clarification! Didn't realize DOFD onl applied only to charge offs, repos, bankruptcies. 

I'm going to wait a lot longer for these to fall off my credit report than I thought. 

I kno they say that as the report ages, that late patnents have less of an impact as they age. Will soon be coming to three years since last late payment. 

Current scores are hovering around 700 and am looking to apply for personal loan for about 12K. 

Do you know if lenders go back the full 7 years on the credit report or recent history? Or does that depend on the lender? 

[OmarGB9]

If you're planning on applying for that personal loan soon, all those lates will still be on your reports. It's not that lenders go back 7 years, it's just that negatives stay on your reports for 7 years.