Disputes

[Anonymous]

deos it matter if the dollar amount is off by 1 dollar or the date exp open or closed date 12/2/2011 or 12/27/2011?

[gdale6]

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@Anonymous wrote:

deos it matter if the dollar amount is off by 1 dollar or the date exp open or closed date 12/2/2011 or 12/27/2011?

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If it were on my reports I would not be disputing these items.

[RobertEG]

Seems like minimal or no impact except if the account is closed and is still showing a balance.

That would imply upaid debt, possibly delinquent.

If you want other items corrected, I would do it informally be calling the creditor rather than filing a formal dispute.

Is the account closed and paid in full?

[Anonymous]

Closed and charged off and no date of last activity. The account was closed in 2006

[gdale6]

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@Anonymous wrote:

Closed and charged off and no date of last activity. The account was closed in 2006

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What is the DoFD of this COed account?

[Anonymous]

It doesn't say when I disputed with the CRA they removed the history, DOFD  and no date of last activity. It made me think of shady things happening

[RobertEG]

If the account was charged off, the DOFD was required by statute to have been reported and maintained in the consumer's credit file.

A creditor cannot delete the reported DOFD, as it is required to have been reported per FCRA 623(a)(5) within 90 days after reporting of the CO.

Without a DOFD of record, the CRA cannot determine the required exclusion date of t he charge-off.  They wont delete it.

Check annualcreditreport.com or a credit report obtained directly from the CRA.

The DOFD is reported and stored under the code called the "FCRA Compliance Date/Date of First Delinquency.""

[Anonymous]

It's not there just received my report in the mail and JCS also has a payment posted and scheduled

[Anonymous]

It says no data

[Imperfectfuture]

Who is the credit card company? This is a problem with credit one.