How do I find the DOFD?

[Hut1]

Morning!

I have 3 rehabbed student loans and the late payments that still show are what's holding my score down. 

My TU report is the only one that shows a DOFD, but I'm trying to make sense of it. Maybe my gurus can assist?

Opened: 2/12/12

Closed: 3/11/15

Lates: 5/2014 - 2/2015

DOFD: 2/2021

Thats not 7 yrs or 10 yrs from any date. What am I missing?

[calyx]

Have you pulled all three reports from www.annualcreditreport.com?   that's the only place that will give you the consumer reports that have the extra information.   TU and EQ should give you DOFD, and EX doesn't give a DOFD, but the date they'll fall off.

And generally, student loans don't report lates right away.  Some only start reporting at 60 or 90d late.

This is my best educated guess:
If you look this - "Lates: 5/2014"  Back it up three months/90d, you're looking at 2/2014 as a DOFD, which gives you a 2/2021 fall off date.