equifax has a spot for the DoFD on the report itself, you can get your report from here: https://www.annualcreditreport.com/
@rayjay wrote:Thanks. Pulled my free credit reports but on the Equifax report the DoFD was blank. How do I get that date from what I posted from my credit report above?
This happened to me with a few of my COs. It listed derogs and DOFD was blank. First I looked in "On record until" date, which in some cases had a date, and in others were blank. If that was blank, I looked at the deliquency list for the earliest one listed for tracking pruposes. In your case that could be 9/2017 based on the first report (ACR?) or 8/2017 on your second report (myFICO?).
Since you're close to the 7 years, I might suggest disputing those as "too old" and go for Early Exclusion. However, based on a long history here with EQ messing up disputes, you might just want to wait until it falls off naturally with EQ. For EX or TU you should have good luck disputing that account as too old.
Since you had a late, made it current, then went late again, the DoFD is the newest, first date in the string of lates before being marked OK.
@rayjay wrote:Can someone tell me how to find the date of first delinquency on these credit reports. I want to know when they should fall off.
Thanks.
Last Updated
06/2019
Payment
Status
•
Pays account as
agreed
Worst
Delinquency
60 days past due
Balance
SO
Credit Limit
$19,100
2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
Equifax
30 days late
11/2017
60 days late
05/2018, 04/2018,
03/2018, 02/2018,
01/2018, 12/2017, so 12/2024
10/2017, 09/2017
or
Review
Scores
TransUnion OK 30 OK OK OK OK OK OK OK OK OK OK 6 months counting backwards from whatever date that is
Equifax
OK 30 OK OK OK Ok Ok Ok Ok OK Ok OK 1 month backwards from whatever date that is
2020
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Experian
NR OK OK OK OK OK OK 30 OK OK OK OK 3 month backwards from whatever date that is
TransUnion OK OK OK OK OK OK Ok 30 K OK K K 6 months counting backwards from whatever date that is
Equifax
NR NR NR NR OK OK OK 30 OK OK OK OK
Legend
OK OK NR Not Reported NO Not Open # Days Late
D Dispute CO ChargeOff/Other Derogatory
FC Foreclosure PP Payment Plan UN Unknown Status
OLDER DEROGATORY EVENTS
Equifax
TransUnion
Experian
30 days late
02/2021, 08/2020 02/2021, 08/2020, 02/2021, 08/2020
05/2019, 04/2019,
03/2019, 02/2019,
07/2018
60 days late
11/2019, 10/2019,
09/2019, 07/2019,
06/2019
90 days late
12/2019
12/2019, 08/2019, 12/2019
08/2017
