goingunder Posted October 19, 2004 Report Share Posted October 19, 2004 How do I find out the exact DOLA from an OC. All accounts are either charged off/sent to collections from about 10/2000. All 3 reports have different dates... I want concrete numbers - do I go to the OC even though they sold it to a CA? help please? Link to comment Share on other sites More sharing options...
retmar Posted October 19, 2004 Report Share Posted October 19, 2004 Look on your EQ CR. If it is listed as a collection account, the date showing as the "Date of First Delinquency" will be the DOLA. From there, add 7 yrs for the deletion , and (number of) years for your State's SOL to determine legal recourse. Since the CRA's only report month and year, use the month following to assure the SOL has passed.On your EX CR, it will say in the right hand column when the negative item will be deleted, then reverse the way described for the EQ.On TU, it is hard to determine as their way of doing things is quite "out to lunch" compared to the others.To include:Date Opened: Date account was first openedReported Since: Date account was first reported, positive or negativeDate of Status/Last Reported: Date TL was last updatedAssigned: Date assigned to collectionAll others self explanatory Link to comment Share on other sites More sharing options...
Reginaj1977 Posted October 19, 2004 Report Share Posted October 19, 2004 Look on your EQ CR. If it is listed as a collection account, the date showing as the "Date of First Delinquency" will be the DOLA. EQ is listing my CO in the "other section" and I know for a fact they have changed the DOLA from 4-98 to 11-02 within the past few days since I subcribe to their monitoring service. I think the 4-98 was a re-age as well. Should I try to contact the original creditor to find the date of deliquency? Link to comment Share on other sites More sharing options...
J_Snow Posted October 20, 2004 Report Share Posted October 20, 2004 EQ is listing my CO in the "other section" and I know for a fact they have changed the DOLA from 4-98 to 11-02 within the past few days since I subcribe to their monitoring service. I think the 4-98 was a re-age as well. Should I try to contact the original creditor to find the date of deliquency?My last EQ report clearly has 'date of last activity' on each account. Are you sure your looking at an actual EQ report and not tri-merged report or report from another source?You can get it from myfico.com and I know the DOLA is clear there too.The OC probably wont have any idea about this account since its been so long. Call up EQ and order the report via the telephone and use the 'denied credit' option to get it for free... then go from there! Link to comment Share on other sites More sharing options...
Reginaj1977 Posted October 20, 2004 Report Share Posted October 20, 2004 I can see the date of last activity but that is the date they keep changing. How would I go about proving what the TRUE date of last activity is? Link to comment Share on other sites More sharing options...
Reginaj1977 Posted October 20, 2004 Report Share Posted October 20, 2004 I can see the date of last activity but that is the date they keep changing. How would I go about proving what the TRUE date of last activity is? Link to comment Share on other sites More sharing options...
J_Snow Posted October 20, 2004 Report Share Posted October 20, 2004 I can see the date of last activity but that is the date they keep changing. How would I go about proving what the TRUE date of last activity is?Ummm... thats against the law. If you can produce any old checks or bank statements that might help. If you have old CR that show a different date-thats good too.I would move your query to the lawyer forum. Link to comment Share on other sites More sharing options...
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