MyFICO Complete and DOFD Question

[Anonymous]

I ordered MyFICO complete tonight, and I have a collection account I have been disputing for months (almost a year now) -- that account still shows up on TU, but has fallen off EQ and EX.

What I need help with.. is where on my TU report (bought with MyFICO Complete) does it show DOFD?  The closest I can see is DATE REPORTED and DATE CLOSED.  Are either of these the same as DOFD?

If it is, then the CA is trying to re-age the account with TU.  The account's DOFD was 7/2001 or 9/2001 (depending on which CRA report you look at)

I posted here since I needed to know IF they are trying to re-age the account.

EDIT to Add: BAH-- I looked at EQ again, and they have the same account listed as 120-days late now.  This is getting on my nerves!  And again, I cannt determine what they are reporting as DOFD"

Thanks!

Message Edited by Marsaeus on 08-26-2008 09:37 PM

[Anonymous]

You aren't going to get DOFD from reports pulled via 3rd party sites, such as myFICO or TC.

If you haven't already gotten your free annual reports, I would suggest doing that.

[Anonymous]

Okay, was not aware that information was not included.  I did get a lot of other useful information though!

This one CA account is really starting to bug me though.  One CRA reports 2/2001, another reports 9/2001 and NOW EQ reports 11/2001.

The reason I need this ONLY negative factor off my credit report is...  2 weeks ago, I was involved in a hit and run that detroyed our car.  It was paid off, fully covered, and in exceptional condition -- the insurance agency is being slow on the repayment, and once they DO pay, I need to go out and get another car.  This will mean a new car payment, and my interest rate is going to (of course) be based on my credit.   As it is, I can't really wait til november and trust that this CA will finally drop the account from my reports, and I cant afford a 12-16% interest rate on a car loan (regardless of a new or used car).   I have NO idea which CRA the dealerships use for pulling credit, but unless it is EQ, I'm pretty much screwed.  Can't work til I recover from my injuries, and even then, I'll need a car since my work IS my car.

Bah, just venting and have NO clue how to get my score up in the next 7 to 10 days.

[Anonymous]

Do you have past car loans?

It is likely that a car dealership will use a auto-enhanced FICO score.

What this means is, it is a FICO score, but more emphasis is placed on prior car loans.

If you have past car loans that were clean, it is possible that your auto-enhanced FICO score will be higher than your classic scores you are seeing.

What are your current scores?

[Anonymous]

My last car loan was paid off in 1996 and does not show on the only one it was reported to back then.

Since then, I paid cash for my previous 2 vehicles, the last one which is sitting in an unidentifiable heap at a junk yard.

My scores are at the bottom of my post =P  I just pulled them tonight.

[Anonymous]

Cheer up. I got a car loan with no FICO scores, and an EX FAKO of 545.