andknapp Posted April 19, 2007 Report Share Posted April 19, 2007 I have a question. On my reports, it says date opened and then also date reported for the collection accounts. The date opened is back in 2004 and the date reported is this month. What date do I use to know when it should fall off? Link to comment Share on other sites More sharing options...
MadinKS Posted April 19, 2007 Report Share Posted April 19, 2007 What date do I use to know when it should fall off?That is calculated using the DOFD + 7 1/2 years. Are you looking at hard-copies of your CR or online? You really need to be looking at the hard-copies because they provide a lot more information. Especially TU or EQ. I see you're in IN. Do you have to use CSC instead of EQ? Link to comment Share on other sites More sharing options...
andknapp Posted April 19, 2007 Author Report Share Posted April 19, 2007 no we use equifax here. i have hard copies and I do have the dofd on some accounts, but on others it's just the date opened and reported and I can't figure out when they actually went deliquent.angie Link to comment Share on other sites More sharing options...
Methuss Posted April 19, 2007 Report Share Posted April 19, 2007 no we use equifax here. i have hard copies and I do have the dofd on some accounts, but on others it's just the date opened and reported and I can't figure out when they actually went deliquent.angieIf there is no delinquency date on a tradeline and it is more than 7 years since it was opened, try disputing it as "obsolete." That will force the CRAs to put up or shut up. Either they find out the DOFD or they have to delete. Link to comment Share on other sites More sharing options...
answer2prayer Posted April 19, 2007 Report Share Posted April 19, 2007 If there is no delinquency date on a tradeline and it is more than 7 years since it was opened, try disputing it as "obsolete." That will force the CRAs to put up or shut up. Either they find out the DOFD or they have to delete.WOW...that's great...hadn't heard of that type of dispute?!? Thanks Methuss! Link to comment Share on other sites More sharing options...
zfire Posted April 19, 2007 Report Share Posted April 19, 2007 Can you do that with one that is past SOL and one year from drop off?Mine says Account tansferred or sold. Link to comment Share on other sites More sharing options...
MadinKS Posted April 19, 2007 Report Share Posted April 19, 2007 You can do anything you want. If it's a first time dispute though, I would use "no knowledge of account", that way you have room for another dispute or two before they cut you off and call your disputes "frivolous". Link to comment Share on other sites More sharing options...
zfire Posted April 20, 2007 Report Share Posted April 20, 2007 Andknap: Get all 3 reports. Check EX and TU for those dates.I had to go through all 3 to find when on some... Especially EQ. Just becausesome scumbag CA reports it in 07 doesn't mean it's not about to fall off. Thanks MadinKS. I will try that first then. Link to comment Share on other sites More sharing options...
MadinKS Posted April 20, 2007 Report Share Posted April 20, 2007 Thanks MadinKS. I will try that first then.Hope it works out for ya. Get after 'em. Link to comment Share on other sites More sharing options...
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