How to find out DOFD?

[MBOhio2]

rmduhon27 - I see the expected drop off on TU but not on EX - am I mising something? Where is it usually stated?

[Anonymous]

If I remember right, it's underneath the account. But I'm not at home to look at my reports to make sure

[MBOhio2]

swilli08 - Thanks!

Last question (I think) and it's a big unrelated to my original post. RobertEG stated about that for derogs that are only monthly delinquncies, the monthly deliquencies will drop off as they reach 7 years. When looking at my credit reports, I see a couple of 30 and 60 day lates from 01/2009 and 02/2009 that are still showing. These are for accounts that are still open and are now in good standing. Those are clearly beyond the 7 years - how do I get these older lates to be removed?

[Anonymous]

If you don't want to dispute them then you can always goodwill the lates. Search goodwill letters on here and you find an abundance of great templates that you can customize to fit your specific situation. I goodwill my student loan servicer (Navient) almost every week and have successfully gotten 2 of the lates adjusted from 90 days to 30 days late. Mine are still within the 7 year window so you should have better luck than me.

[Anonymous]

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@MBOhio2 wrote:
Yes, all 11 accounts were officially charged off And reported as such.

Do you know where on the credit report it would be shown or what exactly it would be called? I don't see any dates anywhere near when I know the DOFD occurred, so I'm questioning whether it's reflected on these reports at all.

However, the Trans Union report does have a specific note that each of these accounts are expected to drop off in July 2016, so I'm hoping that holds true and that the other agencies do the same.

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Your Equifax report will have the actual reported DoFD listed. The others will show an estimated removal date in the comment/status.

[Anonymous]

Ok so I just realized that these loans aren't in good standing. I highly doubt that they'll make a goodwill adjustment because of this. I believe that your best bet is to dispute them with the 3bs.

[Anonymous]

I would also make sure they are beyond your states SOL for written contracts, so that you don't get a judgement on your report and the headaches that go with it...

[MBOhio2]

Swilli08 - I'm not following your advice. You mentioned trying to request GW adjustments - on what? All of the derogs I'm referring to above are either right at or beyond the 7 years. So they're all at the stage of about to drop off or already should. I'm just trying to figure out 1) when exactly they should drop off based on DOFD; and 2) how to make sure they drop off on time.

[RobertEG]

Credit report exclusion is imposed on the CRAs.

They are responsible for monitoring the relevant dates that begin the credit report exclusion period, and exclude derogs once they reach their required exclusion dates.

For any monthly delinquency, the CRA must exclude not later than 7 years from the month/year of the delinquency.  FCRA 605(a)(5).

For any charge-off or collection, the CRA must exclude no later than 7 years plus 180 days from the reported DOFD.  FCRA 604(a)(4) and 605(c).

If information remains past its credit report exclusion date, the fault is with the CRA, and you should file a dispute over their lack of exclusion.

If the factual dates clearly show that the information should be excluded, it is very rare for a CRA to miss a statutory exclusion.  They are not apt to fight a clear violation of FCRA 605(a) or 605(c).

[surferchris]

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@RobertEG wrote:

Credit report exclusion is imposed on the CRAs.

They are responsible for monitoring the relevant dates that begin the credit report exclusion period, and exclude derogs once they reach their required exclusion dates.

For any monthly delinquency, the CRA must exclude not later than 7 years from the month/year of the delinquency.  FCRA 605(a)(5).

For any charge-off or collection, the CRA must exclude no later than 7 years plus 180 days from the reported DOFD.  FCRA 604(a)(4) and 605(c).

If information remains past its credit report exclusion date, the fault is with the CRA, and you should file a dispute over their lack of exclusion.

If the factual dates clearly show that the information should be excluded, it is very rare for a CRA to miss a statutory exclusion.  They are not apt to fight a clear violation of FCRA 605(a) or 605(c).

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Agreed. If you see anything that clearly should be already gone from your report, just phone the credit bureau and they will delete while you wait (and then send you a confirmation via email or mail).