Question about age

[Target1212]

OK I know Dofd is used for when an item falls off, but, whens a debt consideed a yr old? I'm trying to get an educated idea when I can apply for a mortgage. Do I go by date assigned or date reported??

RECEIVABLES PERFORMANCE MG  

Dispute Item

Agency Address:	xxxxxxxxxxxxx
Date Reported:	09/2012
Date Assigned:	02/2011
Creditor Classification:	Retail
Creditor Name:	DIRECTV
Account Number:	2822XXXX
Account Owner:	Joint Account
Original Amount Owned:	$770
Date of 1 st Delinquency:	06/2010
Balance Date:	09/2012
Balance Owned:	$770
Last Payment Date:
Status Date:	09/2012
Status:	D - Unpaid
Comments:	N/A

[DaveSignal]

I would talk to the CA and see if you can pay for delete, but even if that is not an option, I can't see applying for anything big without first paying that debt.

[Target1212]

Yes I plan to pay it and think I figured out my question already. I have gottn 4 negatives removed so far, but this is oe that wont budge! RPM is horribe! Drectv said they can take payments but not take it back from RPM

[Shogun]

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@Target1212 wrote:

OK I know Dofd is used for when an item falls off, but, whens a debt consideed a yr old? I'm trying to get an educated idea when I can apply for a mortgage. Do I go by date assigned or date reported??

RECEIVABLES PERFORMANCE MG  

Dispute Item

Agency Address:	xxxxxxxxxxxxx
Date Reported:	09/2012
Date Assigned:	02/2011
Creditor Classification:	Retail
Creditor Name:	DIRECTV
Account Number:	2822XXXX
Account Owner:	Joint Account
Original Amount Owned:	$770
Date of 1 st Delinquency:	06/2010
Balance Date:	09/2012
Balance Owned:	$770
Last Payment Date:
Status Date:	09/2012
Status:	D - Unpaid
Comments:	N/A

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That's your DOFD, it's what sets the clocks for CRTP and SOL. so 06/2012 it was 2 years old.  It doesn't matter when the CA takes it over or reports it.