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Drop off on credit report

tag
cahomebuyer
Member

Drop off on credit report

We had a Capital One Charge off.  On the latest Equifax credit report (9/5) it shows date of first deliquency as 7/2007 but "date maj del 1st rptd" as 4/2008.

 

By which date should it use to drop off?

 

Can we request this to be removed without disputing it?

 

Thanks!

Michael & Barbara

Goal: Buy House
Problems: Chase Short Sale, Chase Heloc #1, Chase Heloc #2, Capital 1 C/O
Scores: EQ 676 EXP 688 TU 684
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1 REPLY 1
Shogun
Moderator Emeritus

Re: Drop off on credit report

7/2007 is the DoFD that will start the clock.
Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
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