jyap Posted May 18, 2007 Report Share Posted May 18, 2007 Could someone please tell me when the DOLA of this account would be? Charge Off as of Mar 2007, Dec 2003 60 days as of Nov 2003 30 days as of Jul 2003 to Oct 2003, Mar 2003, Mar 2002 If we go by the last payment I think we are looking at September? Calvary bought this account from ford and I'm waiting for the SOL to run out in Cali.Also no dunning letter to say they own acct now as of may. What should I be doing. I sent out a DV yesterday.Thanks for the help Link to comment Share on other sites More sharing options...
jyap Posted May 22, 2007 Author Report Share Posted May 22, 2007 bump Link to comment Share on other sites More sharing options...
kemiren Posted May 22, 2007 Report Share Posted May 22, 2007 i didn't get a letter from them (calvary) either but they've been putting inq on my cr and listed this debt from 2001 and my eq report dropped 50 - i had a 625 and now have a 577. I want them gone from my reports. So I am hoping that someone will help us out with some advice. Link to comment Share on other sites More sharing options...
kemiren Posted May 29, 2007 Report Share Posted May 29, 2007 *bump* Link to comment Share on other sites More sharing options...
Amerikaner83 Posted May 29, 2007 Report Share Posted May 29, 2007 Could someone please tell me when the DOLA of this account would be? Charge Off as of Mar 2007, Dec 2003 60 days as of Nov 2003 30 days as of Jul 2003 to Oct 2003, Mar 2003, Mar 2002 IMHO, JUNE 2003 is the DOLP...wouldn't it also be DOLA as it's teh last time you paid it (activity)? I'm a bit confused about DOLA/DOLP and waht not as well.....perhaps someone smarter runs across this post as well and offers a more definitive answer...i'd check other threads for DOLA/DOLP, as I'm sure i've seen some detailing differences..... Link to comment Share on other sites More sharing options...
Fizzle1979 Posted May 29, 2007 Report Share Posted May 29, 2007 IMHO, JUNE 2003 is the DOLP...wouldn't it also be DOLA as it's teh last time you paid it (activity)? I'm a bit confused about DOLA/DOLP and waht not as well.....perhaps someone smarter runs across this post as well and offers a more definitive answer...i'd check other threads for DOLA/DOLP, as I'm sure i've seen some detailing differences.....IMHO, the DOLA can change the date of last activity if they call you to collect or send you a letter. Because it is the date of last acitivity they took on the account...I could be wrong...I've been before. Link to comment Share on other sites More sharing options...
momof5 Posted May 29, 2007 Report Share Posted May 29, 2007 Legalistically, the DOLA on this account would be the charge off. (Last activity on this account.)However, if you are attempting to determine when this debt goes out of statute, you use your DOLP (September) and add 30 days -> the date you first went delinquent and never brought it current. Add the # of years to go out of statute (CA = 4 yrs) So that would be Oct 2007. You have to wait until then.I would leave well enough alone until AFTER Oct 2007. You don't want to trigger a lawsuit. Link to comment Share on other sites More sharing options...
Fizzle1979 Posted May 29, 2007 Report Share Posted May 29, 2007 Imagine that, I'm wrong. But I'm glad to hear the DOLA is when the charge off occurred. I have an account that is not out of SOL but claims the DOLA is 01/04 when I made payments until 09/04. Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted May 30, 2007 Report Share Posted May 30, 2007 Imagine that, I'm wrong. But I'm glad to hear the DOLA is when the charge off occurred. I have an account that is not out of SOL but claims the DOLA is 01/04 when I made payments until 09/04.How are you determining DOLA, EQ right? Link to comment Share on other sites More sharing options...
Fizzle1979 Posted May 30, 2007 Report Share Posted May 30, 2007 Yah its a repo on my EQ report. I have another thread on it. Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted May 30, 2007 Report Share Posted May 30, 2007 On EQ, if they don't know the DOFD, they will use the DOLA as the "reporting time" regardless of if you have made payments or not. You DOFD should be 30 days after your first missed payment that led to the repo. Link to comment Share on other sites More sharing options...
Fizzle1979 Posted May 30, 2007 Report Share Posted May 30, 2007 BJS - I don't want to high jack this thread, check out my thread if you don't mind.http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?p=780567 Link to comment Share on other sites More sharing options...
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