how do I find out dofd?

[cwwatts1202]

According to my husbands TU CR there are two collections falling off, one says may 2013, the other says July 2013. Someone here told me it will fall off when it says, not 180 days later. On either the EX or EQ CT it says they will fall off march 2013 and may 2013. But none of the reports say DOfD, how do I find that out? When should I expect these to fall off? When it says they're going to, or sometime in the next 180 days after it says? This is really confusing me! Cause I keep reading it's 7 years plus 180 days from dofd, but none of the reports have that date, just the month and year they are scheduled to stop reporting.... Help? Lol

[DaBears]

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@cwwatts1202 wrote:
According to my husbands TU CR there are two collections falling off, one says may 2013, the other says July 2013. Someone here told me it will fall off when it says, not 180 days later. On either the EX or EQ CT it says they will fall off march 2013 and may 2013. But none of the reports say DOfD, how do I find that out? When should I expect these to fall off? When it says they're going to, or sometime in the next 180 days after it says? This is really confusing me! Cause I keep reading it's 7 years plus 180 days from dofd, but none of the reports have that date, just the month and year they are scheduled to stop reporting.... Help? Lol

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You can call the CRA's and they can tell you when the DoFD was. If TU is saying those months you will need to be patient. Sometimes TU will remove a month early as it is only estimates of the removal. could be sooner.

[cwwatts1202]

I'm not in a hurry, so being patient isn't an issue, I just want to know when to expect them to come off. Should I expect the month the report says, or 180 days later? That's what is confusing me. Because I was told TU will remove them the month it says, not 6 months later, but what about the other 2? I was also told only EQ or EX has the actual dofd... It's confusing!

[DaBears]

It will come off TU has it coming off. TU has it already factored in the 180 days into when its being removed. I would call EX and EQ to get the removal and DoFD. 

[cwwatts1202]

EX and EQ say around the same month and year as TU, one of them says may and march, where TU says may and July. I will have my husband call EX and EQ when he gets home, but do they factor in the 180 days as well? Or should I expect it to come off when it says it will? And thanks for your help, were pretty close to qualifying for a USDA loan so I'm starting to get antsy lol I expected those collections to fall off around August-November so finding out it could be sooner has me excited.

[DaBears]

Whatever TU, EX and EQ has listed for them to fall off is when it will happen. They have until the end of the that month to fall off.

[Anonymous]

 I have noticed the date that Experian has listed to fall off, it can fall off in the begining of that month.

[cwwatts1202]

That is fantastic news so why do they say 7 years plus 180 days then?? 

[cwwatts1202]

and also, i've asked before but haven't really been given an answer, should we expect to see a score increase when these 2 fall off? I know it depends on how many other collections there are, after these 2 fall off that will leave a repo from 2008, a brighthouse cable bill collection from 2008, and a verizon wireless collection from 2007.

[llecs]

The FCRA says 7 + 180 days. That's why that term is tossed about. Both TU and EX list drop off dates. IME, TU was always spot on, if not a little early (or even a lot early in a couple of cases). EX was either spot on or a month or two later. It always varied. So, if they say 7/2013 (using 7/13 as an example), then expect it anywhere from 7/2013 to 9/2013, and IME, it mostly fell off mid-month sometime. A couple of times I documented (and others have done as well) that EX will sometimes change the drop off date by a month or even two. So using this example, as you get to 7/2013, it might change to 8/2013. I don't know why they do that other than to be jerks I guess.

EQ doesn't list a drop off date (unless something changed in the past year). IME, they listed a DOFD. SOme on here say to add 7.5 yrs from the DOFD to get an estimated drop off date. That's true based on the FCRA. IME, my baddies always dropped at 7 yrs not 7.5 yrs. I say add 7 yrs to the DOFD to get an est. drop off date for EQ. Now that doesn't preclude baddies staying on longer than 7 yrs. I did have one or two that stayed longer than the 7. Use that 180 days as a buffer or window by which the baddie could stay on longer and don't sweat it until it hits 7.5 yrs.

Also know that some CO'd OC accounts, namely loans and CCs, can stay longer than 7.5 yrs. IME I had a couple of baddies with a DOFD listed as a CO stay longer than 7.5 yrs. My accounts had the negative derog references removed at 7 yrs w/ all the remaining lates, and reported as a positive TL beyond the 7. For example, my longest running baddie was a Zales account. I opened it and it was CO'd in 1997. I didn't pay on it. Sometime in 2000 I owned up to my past debts and I paid it in full without knowing about PFDs. Within a couple years from that, they reported as a positive account and it remained as a positive until mid-2011, 14 years after the CO.