I have a CO account with WFDS. On my TU report it says that the estimate date of removal is 04/2021.
I called experian to see what removal date they have on the file and I was told, it would be 08/22.
I am really confused right now. Do TU and EX count DOFD differently? Also on my EQ, DOFD is 08/2015.
What is my actual DOFD looking at the image?
Thanks
Based on the payment history in your image, the DOFD is 8/2015, which would make the drop off 8/2022.
The DOFD is the month/year the account first became delinquent AND was never brought current - looks like you brought the account current on several occassions prior to it being charged-off. Each time it was brought current, the DOFD was reset.
EX is accurate. EQ is accurate. TU is innaccurate - but in your favor.
@Anonymous wrote:Thank you!
So I was looking at my TU report from 2017 where it says the estimated removal date to be in 2021, it was the same case with my old EX reports.
I just got my current TU report and the date has been changed to 08/22. I believe it happened because I reached a settlement with WFDS last year and the account was updated. SMH!
Yep. That'll do it... those pesky updates!! Happens a lot when the creditor stops constant updating on a delinquent account for a while - then you pay / settle and they update to reflect payment -- along with the payment history, which can sometimes affect the drop off date and that sucks - sorry.
@Anonymous wrote:I know! Happened to me twice now lol. Not sure if I can hold it against TU though. I still have the copy of old report that says removal date in 2021 lol
Yea no... that work, unfortunately. The account has been updated to reflect accurate information based on what the creditor has provided. You'd have to have proof that the payment history, as currently reported by the creditor, is incorrect in order to prove the DOFD is wrong.