How to find out DOFD?

[MBOhio2]

I have 11 private student loan accounts that defaulted close to 7 years ago. I am trying to determine exactly when they will drop off of my account. Two questions:

1) There will drop off of my credit reports 7 years + 180 days from the DOFD, correct?

2) How do I find the DOFD? I understand that the lender is required to report this, but I pulled up my report in Experian (have the monthly plan with them) and I don;t see the DOFD anywhere. How can I obtain this?

[RonM21]

I believe if you order your free reports it should be listed there.

[RobertEG]

Most commercial credit reports choose not to include the reported DOFD.

You can usually find the reported DOFD by ordering a copy of your free annual report via annualcreditreport.com, or ordering a copy directly from the CRAs.

The CRAs normally choose to exclude a bit early, at approx 7 years from the reported DOFD.

Actual exclusion may come at 7 years, but can legally be delayed until no later than 7 years plus 180 days.

However, it is noted that the accounts are student loans.

If the student loans are U.S. government insured or guaranteed, then the normal credit report exclusion peirod does not apply if the debt remains unpaid.

Are they federal student loans, and are the loans stilll delinquent?

[MBOhio2]

Thanks all! I have not requested my free credit report in the past year, so I'll go ahead and do so now.

The loans are NOT federal student loans and were private student loans with a private bank. The loans remain unpaid despite my MANY efforts to pay them. The bank has been absolutely unreasonable and nasty to deal with despite my very good faith efforts, so I've essentially given up on them for now (I know you didn't ask for my "I'm not a bad person" story, but I feel compelled to give it anyway!). I'll deal with the debt down the line, but at the present moment, I would just like to see them drop off of my credit report. I believe the DOFD was actually June 2009 (trying to confirm that), so the 7 years would be this month. Adding 180 days would push it to December-ish.

You said that the CRAs typically chose to exclude them at 7 years - so should I expect to see them just dissapear at some point in the next 6 months?

[RobertEG]

Did the creditor report a charge-off?

If not, then DOFD is irrelevant, and wont be reported.

If the derogs are only monthly delinquncies, then the accounts/loans themselves will not become excluded, only the monthly deliquencies as they reach 7 years.

[MBOhio2]

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.

[Anonymous]

EQ will actually say Date of First Delinquency, TU and EX will have an expected drop off date

[cmony787]

If primary goal is to have these drop off your credit report and then as you stated deal with these down the line, I would be calling all 3 CRsA and asking for Early Exclusions. You are well within the time frame of past success stories.

[MBOhio2]

I've never heard of early exclusions (I was a regular myfico-er a few years back, but haven't been around recently and this sounds like a newer thing) - so I just call the CRAs up and ask them to drop the accounts off now? And people have had little l with this? Any special advice you can give me or point me to?

[Anonymous]

In February of this year I had an account removed from all 3bs. The account was scheduled to fall off in August but I decided that it didn't hurt to try to get it removed early.
I called the 3bs first and told them what I wanted. Transunion deleted immediately. Experian and Equifax did not. I then went online and started the dispute process and in the box where you can type a summary I simply asked for an early exclusion on the account. As a result the account was removed from all 3bs.
Transunion: (888) 259-6845 connects to a live person
Experian: (800) 493-1058
I don't have the number that I used for Equifax (just search it on here)
Hope this is helpful. Good luck.