When will this account be removed?

[Anonymous]

I had an old comenity account that was charged off in 2014. I’m trying to figure out the DOFD. The first late pay on the account was March 2013 followed by several 30 day lates, one on time, and then another string of lates starting October 2013 to the eventual CO. So will they go by the March 13 date or October? Or will it be the 2014 CO date?

[silver_idle]

If your account was never brought current since march then they would go by march, if not, then they would go by october. They wont go by a CO date. You can usually find out by looking at your credit report for the DOFD.

[Chestnut1]

Get your report from annualcreditreport.com. You will see Date of First Deliquency reported in there. 

Just so you know, sometimes CRAs are late in reporting. so you should check your report for that DoFD. Tough to assume wihtout it.

[Anonymous]

The info I’m providing is coming directly from Experian. However, there is no spot that specifically says date of first delinquency. It just shows me the payment history and charge off date.

[Chestnut1]

Got it. Then lets just assume it is 7 years from the first string of lates. I'd suggest better make some calls to the Creditor and Subsequently to CRAs to get a date of fall. 

[Chestnut1]

FYI,  If It makes you satisfied. Here is what happened to one of my Charge off BoFA Credit cards.

Card Opened 2/2012

First set of lates 11/2012. never Caught up.

Closed date 3/2013

This account fell off mid Nov 2019.

[calyx]

If you get your consumer reports from annualcreditreport.com, it will have additional information, like the DOFD or fall off date.
CCT/Experian.com etc won't give you that information.

Edited to update the site - I mistyped in my haste.

[Anonymous]

Good to know. I’ll check it out.

[CH-7-Mission-Accomplished]

It's likely seven years from the October date.   When they say "date of first delinquency," they mean the date that the account first got behind before charge-off.   Once you bring it current again (as you say you did) it resets that date.   The term is confusing because it implies that if you had a first late payment three years earlier, brought it current, and then years later you got behind leading to chargeoff, you could use that old date.

So if you bring an account current it resets it all.

[OmarGB9]

yes basically that's the date the account first fell behind and never got back to being current. That's your DOFD.