WIll TU tell me fall-off date if I call?

[Anonymous]

Trying to find out when a CA falls off.  On Experian it said December.

On TU it says nothing about fall off date, data is very sparse, only date is Date Assigned: 5/03 which is definitley not the DOFD (more like late '01 which jibes with Experian).

Will they tell me if I call them?

[Anonymous]

Yes

[RobertEG]

myccc2, I would never rely upon a posting in my CR as any substantiation of a falloff date.

The FCRA falloff date is pegged to the DOFD, which is initially reported, but can then be updated, unfortunatley,  by creditors, who often update it through ignorance or perceived re-aging benefits.  Updates are illegal re-aging unless they comply with a new DOFD.

The DOFD is best determined from a consumer's own records.  And it is simple.  For any account, the DOFD is simply 30 days from the due date of the bill that was not timely paid.  That is when the consumer went into first delinquency under terms of their account.  That date can ONLY be reset IF the consumer then brought the account back into good standing, and ALSO then had a subsequent delinquency on that same account.  Later 60/90/120/CO/CA dates have no relevance, nor do any payments made.

Any crap that transpired in the interim cannot reset the DOFD/FCRA Date.  Only bringing the account back into good standing, and then a subsequent delinquency, can change the DOFD/FCRA compliance date.  Period.

Look at your records, not what the creditors report. 

[Anonymous]

Thanks Robert. I did check the docs the CA sent me, of course they didn't send first delinquint bill.

The did send 1/01 - 2/01 bill which showed late payment fee and indicates it was late at least as early as the 11/01 - 12/01 bill.

I made two payments to the CA in 2007 and then stopped (after learning about payments/credit/disputes/etc).  However according to my research, that does not re-set SOL or DOLA (once account is closed/sold and CA has it nothing can re-set the DOLA)

So in theory I was late at the very latest on my 11/01 to 12/01 bill.  At worst that makes DOFD 1/01 which would make fall off date 12/08.

I'm thinking of disputing to make sure this falls of at the end of November.