Dofd question

[Anonymous]

My wife's collection has a dofd of March 27th 2012. It reaches past Sol this month. We're going to try pfd to bring up her score before a mortgage app this summer. To stay out of Sol before I contact the ca, does Sol go by month or exact date? As in don't contact them until after the 27th or I'm already past Sol because it's the same month.

[gdale6]

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@Anonymouswrote:
My wife's collection has a dofd of March 27th 2012. It reaches past Sol this month. We're going to try pfd to bring up her score before a mortgage app this summer. To stay out of Sol before I contact the ca, does Sol go by month or exact date? As in don't contact them until after the 27th or I'm already past Sol because it's the same month.

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You need to verify that DoFD and be sure about it. Personally I would give it a few months post SOL just to be sure but that is me. Your state will set the rules as to whether its the month or day of.

[RobertEG]

If you are relying upon the DOFD that is reported to a CRA as evidence of the date of first delinquency, FCRA 623(a)(5) specifically defines DOFD as only the month and year.  The CRA similarly only records DOFD by mo/yr.

Thus, I would wait until the next month.

[Anonymous]

Sounds good I'll wait till next month then. I've been trying to contact the original creditor to no luck. They were aquired by another company so I called them. They said they only have information for anything after they bought them out and to contact the hospital where the doctor bill came from. The hospital was no help and only had the phone number to physicians staffing agency that I just spoke with, so I assume at this point the ca owns the debt fully as there's no one else to contact that I can think of.