EQ Show Target Account
Date of first delinquency
10/01/2016
which year should be remove 10/23 or 10/24
>
Should be 10/23
@citymunky wrote:Should be 10/23
@citymunky I agree with @911gt34life if in fact DOFD is 10/2016 then it should organically drop off CR 10/2023.
Starting Score: 461i was thinking remove date is novmember 2022 from first 30 days make it delinquency...
@911gt34life wrote:i was thinking remove date is novmember 2022 from first 30 days make it delinquency...
@911gt34life going by this chart, I would have to say the DOFD is actually 11/2016 so 7 years from then would bring it to Nov 2023 rather than 10/2023. DOFD is the date of when the account first became late and never returned to current status. Since it is Eq I would have to say let if fall off organically rather than risking Eq making it worse vs better.
11/2023, but could fall off sooner.
I've had lates, COs and collections fall off my Equifax report 2-3 months before the DOFD indicates it should.
Most recently, I had a 30 day late from 4/16 fall off on 1/1/2022, leaving my EQ report clean of any derogitories.
Now just waiting on the 2 late payments on that account to fall off my TU report, and all 3 of my reports will be clean.
@911gt34lifeSince it is Eq I would have to say let if fall off organically rather than risking Eq making it worse vs before
The one time I disputed something with EQ was regarding some inaccurate information on a 120+ day late account.
They screwed it up even more, making it even more inaccurate, but the screw up also included killing the payment history, which wasn't inaccurate to begin with.
Now it isn't counting as a derogitory account, and is making a positive contribution to my AAoC, so I WILL NOT be attempting to correct the wrong information on it again!
@911gt34life wrote:i was thinking remove date is novmember 2022 from first 30 days make it delinquency...
You're a year early I'm afraid. Derogatory information comes off 7 years from DOFD (first missed payment that led to charge off). So, since your DOFD was 11/2016, 7 years from there would be 11/2023.
@911gt34life wrote:i was thinking remove date is novmember 2022 from first 30 days make it delinquency...
0/6, 3/12, 10/24i have amex on transunion say Estimated month and year this item will be removed 04/2023 but on experian other story...
there way get remove same month as tu......