When are the drop off dates?

[Anonymous]

Hello; I'm including information on four negative debts. What I want to is, where does it say what the date is when the debts fall off?

I obtained an Experian credit report. It said:
• Accounts Ever Late:3
• Collection Accounts:1
• Real Estate Debt: $0.00
• Installment Debt: 1,399.00
• Revolving Debt: 790.00
• Other Debt: 0.00
• Total Debt: 2,441.00
Credit Score:
Score Rank: 549. Very Low.
The credit agencies that I owe money to are:

1. S D MEDICAL FEDERAL CU
Payment Status: Balance: Account #: Date Open: Last Updated:
Account Status: Terms: Phone #: Address:
Ownership: Original Creditor: Company Sold-to: Credit Limit: Monthly Payment: Past Due Amount: High Balance: Balloon Payment: Comments: Account transferred to another office
$0.00
220842XXXX
7/1/2007
- Closed Revolving
6194537844
8889 RIO SAN DIEGO DR ST SAN DIEGO, CA 92108
$5,000.00
$0.00
$0.00
$0.00

2. TSC A/R SOLUTIONS
Payment Status: Balance:
Account #: Date Open: Last Updated:
Account Status: Terms: Phone #: Address:
Ownership: Original Creditor: Company Sold-to: Credit Limit: Monthly Payment: Past Due Amount: High Balance: Balloon Payment: Comments: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
$252.00
3XXXX
2/1/2011
1 Month
7604445750
2xxx1 Lxx AVE W
Cxxxx, CA 9xxx
$0.00
$0.00
$252.00
$0.00

3. FINANCIAL PARTNERS CU
Payment Status: Balance: Account #: Date Open: Last Updated:
Account Status: Terms: Phone #: Address:
Ownership: Original Creditor: Company Sold-to: Credit Limit: Monthly Payment: Past Due Amount: High Balance: Balloon Payment: Comments: Charge-off
$1,399.00
559696XXXX
7/1/2007
- Closed Unknown
8009507328
7800 E IMPERIAL HIGHWAY DOWNEY, CA 90241
$0.00
$0.00
$0.00
$0.00
Payment history: Sept and Oct 2014

4. WFHM
Payment Status:
Balance: Account #: Date Open: Last Updated:
Account Status: Terms: Phone #: Address:
Ownership: Original Creditor: Company Sold-to: Credit Limit: Monthly Payment: Past Due Amount: High Balance: Balloon Payment: Comments: Credit Grantor reclaimed collateral to settle defaulted mortgage
$0.00
512004451XXXX
11/1/2006
- Closed
360 Months
8006420257
4101 WISEMAN BLVD # MC-T SAN ANTONIO, TX 78251
$0.00
$0.00
$37,098.00
$0.00

5. WFHM
Payment Status: Balance: Account #: Date Open: Last Updated:
Account Status: Terms: Phone #: Address:
Ownership: Original Creditor: Company Sold-to: Credit Limit: Monthly Payment: Past Due Amount: High Balance: Balloon Payment: Comments: Paid satisfactorily
$0.00
512004419XXXX
10/1/2006
- Closed
360 Months
8006420257
4101 WISEMAN BLVD # MC-T SAN ANTONIO, TX 78251
$0.00
$0.00
$0.00
$0.00

6. WFHM
Payment Status: Balance: Account #: Date Open: Last Updated:
Account Status: Terms: Phone #: Address:
Ownership: Original Creditor: Company Sold-to: Credit Limit: Monthly Payment: Past Due Amount: High Balance: Balloon Payment: Comments: Paid satisfactorily
$0.00
512004121XXXX
11/1/2005
- Closed
360 Months
8006420257
4101 WISEMAN BLVD # MC-T SAN ANTONIO, TX 78251
$0.00
$0.00
$0.00
$0.00

I have been on this forum for a month. I must get my credit score higher. I don't want to call the original lenders for fear that my contacting them will reactivate the delinquency and or harm my credit score. I live in California.I had a stroke, my house was foreclosed.
Please help me. I've read and read, but I don't know how to start and what to do.
Thank you,
Jim Holland

[Anonymous]

i am new here too, jim, so i am not an expert, but from what i'm understanding is the drop off date will be about 7.5 years after the date of final delinquency. i don't know where to find it on your report, but i'm sure someone else who knows more than me can assist.

i believe the SOL in california is 4 years though, so 4 years after your last payment is when they cannot sue you for the money.

just wanted to say welcome. i need to repair my credit as well. i am sorry about your hard times, i will send good thoughts your way.

[OMW2_HighAcheiver]

DOFD=Date of First Delinquency

It's the date reported on your credit reports as the first date accounts are reported as delinquent. Obtain a credit report directly from the actual credit reporting agencies. If you've been denied credit, work, etc, contact the agency listed in your denial letter. It's free. Not sure where you pulled this info from.

7 years + up to 180 days from the DOFD will be your drop off date.

[Anonymous]

If you can get your CRs directly from the CRAs, they show the dates better than any other source.

If you can use annualcreditreport.com, the EQ report will show DoFD, and TU will show the expected date it will roll off.

DoFD, the Date of First Delinquency, is the 30 day late leading to the CO or collection that was not made current again.  A CO usually takes 6 months, so you would see a 30 day, then a 60, then a 90, and a 120, etc until it is a CO.  The history is shown on some of the CRs you can see.

hth

[Anonymous]

This is from my EQuifax report:

It shows that I had a car repo (a CO) and DoFD is 3/2009.

[RobertEG]

Individual adverse items of information become excluded based on the type of the adverse item (e.g., monthly delinquency, charge-off, collection, judgment), as set forth in FCRA 605(a).  It iis not "debt" that falls off, it is adverse items of information that become excluded.

DOFD applies only to a reported collection or charge-off, and sets the begin date of the 7 years plus 180 day maximum exclusion periof for that type of adverse item.

Any monthly delineuqncies would have their own exclusion dates of 7 years from the date of the delinqquency.

Thus, the specific adverse items preported on each account must be specified in order to provide an exclusion date for that item.