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Like the subject of the tread says:notice the newly reported last activity date.
(XXXXXXXXXXXX8832) | ||||||||||||||||||
Account opened: 5/2002 Description: Charge off account Charge Amount in H/C column is credit limit
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Did the DOFD change?
Yes, it is "re-aging" of the account data, but no, it is not improper re-aging.
Last activity is simply the date of reporting of information that reports a change in account information. Update of information so as to maintain its accuracy is a statutory requirement.
Improper re-aging is usually used to refer to the update that is in violation of a statutory provision, and is usually used to refer to the DOFD on the OC account, which has very specific statutory reporting requirements under FCRA 623(a)(5). A DOLA that does not specifically update the DOFD on the OC account in a manner that is contrary to section 623(a)(5) is not improper re-aging.
The DOFD according to EQ from Annualcredit.com is 11/2006.Myfico here doesn't show that,OC didn't report that,but after a dispute they now report the info i just mention in my first post.
@golo wrote:The DOFD according to EQ from Annualcredit.com is 11/2006.Myfico here doesn't show that,OC didn't report that,but after a dispute they now report the info i just mention in my first post.
As long as the DOFD has not changed then the credit reporting time period ( CRTP ) hasn't changed either, so it has not been re~aged.