DOLA

[Anonymous]

I too get confused.  Since these are CR factors, why aren't they more obvious on the reports.  CA always seem to start their lines with the dates they get the account, but we all know they must have been past due for at least 90 days prior to getting it and what happened to the 30 day notice to pay prior to report.  I've seen CA lines without getting any prior notice.  Sometimes notice received after the fact, that's totally wrong.  Can't win when not playing fair.

I've heard fair is where a pig goes to win a ribbon!

[Anonymous]

It doesn't seem fair does it! I have been on the site for about 3 days and gained a lot of insight already.  I'm hopeful like anything that is new,  that if I continue to read and digest the info it will click!  Stay positive!  

[creditwherecreditisdue]

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@Anonymous wrote:

I too get confused.  Since these are CR factors, why aren't they more obvious on the reports.  CA always seem to start their lines with the dates they get the account, but we all know they must have been past due for at least 90 days prior to getting it and what happened to the 30 day notice to pay prior to report.  I've seen CA lines without getting any prior notice.  Sometimes notice received after the fact, that's totally wrong.  Can't win when not playing fair.

I've heard fair is where a pig goes to win a ribbon!

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The "rules" are frequently ignored or severely bent. That's why it is important to be ever vigilant regarding your CBR's!

[guiness56]

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@Anonymous wrote:
I just pulled my credit report from transunion.com   my fico scores are Trans 498 exp 498 and eqiufax 509.  I am now going through my report checking any discrepancies.  Most of the items on my report and old 4-7 years.  From the reading forum I understand that some items fall off after  7 years.  Do I look for the DOLA date?  The only dates I see listed are date opened and date reported.  The date reported dates are all pretty recent but I know I haven't touched or made arrangements on any of those accounts for years.  My question is do I look at the date reported or date reported?  Thank you. 

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The date reported and date opened have no bearing what so ever on when something will fall off your report.  Those 2 dates have to do with when a CA received the account and opened it with the CRA.  They still use the DOFD to determine when something falls off.  They have to, it is a Federal law.

From looking at your payment history, I would say your DOFD is Dec 02.

Message Edited by guiness56 on 09-23-2009 11:49 PM