+1. SOL is not relevant to credit reporting, credit scoring, or continued CR inclusion
Your issue originated with with an OC, and not with a debt collector. Thus, the DOFD would have absolutely no relevance to the CR exclusion dates of anything reported by an OC, except for a charge-off. DOFD is ONLY used for calculating the credit report inclusion bar for collections and charge-offs. It has no relevance to monthly OC account delinquencies.
Dates of last payment, last activity, or account closing have NO relevance to continued inclusion of old monthly delinquencies in your CR, The reporting of any delinquencies by an OC, except for a charge-off, expire at different times, but each are pegged to the date the monthly delinquency occured. They expire, under FCRA 605(a)(5), after 7 years from their individual monthly dates of reported delinquency,
Line upt he dates of each delinquency reported by the OC, add 7 years to each, and those are the individual dates for their CR exclusion.
If a debt collector rears his ugly head, then any collection they are pursuing must separately be discontinued in your CR after 7 years plus 180-days from the DOFD on the OC account. Again, that DOFD is unrelated to anything other than the date of your first delinquency with the OC in the last chain of reported delinquencies that preceded their collection referral. It is unrealted to anything the debt collector reports as to date opened, date of any payments, etc.
Many commercial CRs dont include a statement of the reported DOFD. But it is in your credit file. The date of closing of the account is only relevant in that your DOFD must, by definition, precede that date if it was delinquent when closed.
To get the actual DOFD reported to your credit file, you need only file a request under FCRA 609(a) with the CRA, and they must provide you that date, and the party who reported it. 609(a) requests require the payment of a fee, which is currently $10.50.
