questions

[Anonymous]

I'm a little confused about how the date of first delinq works??? Should all 3 reports have the same date?? And does the 7 years start the first time you were late or missed a payment??

Message Edited by chardoc1130 on 01-19-2009 06:46 AM

Message Edited by chardoc1130 on 01-19-2009 06:57 AM

Message Edited by chardoc1130 on 01-19-2009 07:03 AM

[llecs]

DOFD is the date you first began to sour on a TL, without recovering. When looking at your reports, it is the date the 30 day first appears, then you'd usually see a 60, then 90, then 120, CO, and beyond.

CRTP begins when you were first late, assuming you never recovered (meaning in Aug. you were late. Current in Sept. and late again in Oct. With 60, 90 , 120 days beyond that. DOFD wouls be in Oct.)

DOFD is also on the same day you bounce a bad check or often on the date of service if medical, for example.

[Anonymous]

So what if you see only date of last actvity? And that was the date you pay it off.... aug 2002 is the the dofd? This is a old collections opened aug 1996 and settled for less in aug 2002.

[llecs]

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chardoc1130 wrote:
So what if you see only date of last actvity? And that was the date you pay it off.... aug 2002 is the the dofd? This is a old collections opened aug 1996 and settled for less in aug 2002.

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I'd start by pulling your CRs directly from each CRA. You can get each for free annually via annualcreditreport.com. TU and EX reports have drop off dates for CAs. Take that date and subtract 7 yrs to see the CRA version of the DOFD.

DOFD is totally different from DOLA. DOFD always preceeds DOLA. A pay off date of 8/2002 would not be DOFD. In fact, if it went to a CA in 8/1996, then the DOFD would preceed 8/1996 and could easily preceed it by months or even years depending on the OC. Assuming the TL with the OC went bad in 8/1996 and got sent to and reported by a CA on 8/1996, then 7 yrs from 8/1996 would be 8/2003. This CA should have dropped of by then, give or take a few months. And it does not matter if it was settled. Whether you pay the debt or not, CRTP is always 7 yrs from DOFD.

If this is reporting, then somewhere at some point in time, the CA illegally re-aged it so as to keep it reporting. If you have any proof that DOFD is 7 yrs or older from today, then you could dispute it via mail CMRRR to the CRAs (w/ copy of proof) as being obsolete.

[Anonymous]

I already have my reports directly from cra and it says the drop off date is 5/09 . So if I'm correct their using the date of last activity 8/02 as their time line This was opened in 8/96. I have no proof when the first actual delinq was so I guess theres nothing I can do. Also I have an account with direct tv and at one point I got behind but now is current. I called them directly and paid it but they had already sent it to a collection but also there are 4 other collections reporting the same thing and only 1 report it as paid can they do this???

Message Edited by chardoc1130 on 01-20-2009 06:11 AM

Message Edited by chardoc1130 on 01-20-2009 07:20 AM

[Anonymous]

Was the account opened in 8/96 or did it go to collections in 8/96?

On the DirecTV -- only one CA can report at a time. I would send a DV, CMRRR to the CAs. Keep the DV short and simple, see the link titled "DV" in my signature.

[Anonymous]

The account wass opened 8/96 paid 8/02 or settled for less and to drop off 5/09. As for direct tv I paid them in sept 08 them directly but nco  has it a paid collections which is fine but their are 3 other collections reporting this unpaid.

[Anonymous]

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chardoc1130 wrote:
The account wass opened 8/96 paid 8/02 or settled for less and to drop off 5/09. As for direct tv I paid them in sept 08 them directly but nco  has it a paid collections which is fine but their are 3 other collections reporting this unpaid.

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Drop off date doesn't go from account opened date, it goes from the DOFD. DOFD is the date you went delinquent and never became current again before it was CO/sent to collections.

If removal is 5/09, then I estimated DOFD to be between 12/01 and 5/02. Does that sound right?

Again, DV the CAs reporting the DirectTV.

[Anonymous]

Yeah I guess that would be right I don't have any proof when I went delinq but its coming off in may so thats good. But What about direct tv . The collections that are on there are before I paid in aug 08. Nco is reporting it paid but the others aren't. I know you said dv them but is that going to make a difference because when they did actually have the account I did owe it. I just don't think its fair that their are 3 other collections reporting this same thing when it was paid.

[Anonymous]

Only one CA can report.

If a CA gets your account and don't collect on it, passing it off to another, they must stop reporting.

DV them all.