bigdebt Posted January 13, 2008 Report Share Posted January 13, 2008 Hii have this on my ex reportSEARS/CBSD ACCOUNT#XXXXXXXXXSTATUS - TRANSFERRED,CLOSED/ACCOUNT CHARGED OFF.$0WRITTEN OFFDATE OPENED -10/2000DATE OF STATUS -04/2006REPORTED SINCE -12/2000LAST REPORT DATE- 04/2006TYPE -REVOLVINGTERMS-N/AMONTHLY PAYMENT-$0RESPONSIBILITY-INDIVDUALACCOUNT HISTORYCHARGE OFF AS OF SEPT 2002 TO MARCH 2006180 DAYS AS OF AUG 2002,JUL 2002150 DAYS AS OF JUN 2002120 DAYS AS OF MAY 2002,NOV 2001,OCT 200190 DAYS AS OF APR 2002,SEPT 200160 DAYS AS OF MAR 2002,AUG 200130 DAYS AS OF FEB 2002,JUL 2001,APR 2001 What do you think my DOFD would be? Link to comment Share on other sites More sharing options...
willingtocope Posted January 13, 2008 Report Share Posted January 13, 2008 CHARGE OFF AS OF SEPT 2002 TO MARCH 2006180 DAYS AS OF AUG 2002,JUL 2002150 DAYS AS OF JUN 2002120 DAYS AS OF MAY 2002,NOV 2001,OCT 200190 DAYS AS OF APR 2002,SEPT 200160 DAYS AS OF MAR 2002,AUG 200130 DAYS AS OF FEB 2002,JUL 2001,APR 2001 What do you think my DOFD would be?Really tough to know for sure, but based on this it looks like the last payment you missed (and never brought the account current after that) would be FEB 2002. That would be the DOFD. Link to comment Share on other sites More sharing options...
bigdebt Posted January 21, 2008 Author Report Share Posted January 21, 2008 bump Link to comment Share on other sites More sharing options...
bigdebt Posted January 22, 2008 Author Report Share Posted January 22, 2008 thank you for your response. but i didnt bring this account current at any time pass jul.to do so i would have to make 5 payments, didnt happen. to day i look at a up dated report the april 2001 is no longer listed.should i call oc and ask for all account history?ex says fall off date 10/2008. tu 10/2008 eq dolp 12/2001 Link to comment Share on other sites More sharing options...
willingtocope Posted January 22, 2008 Report Share Posted January 22, 2008 Well, I'm basing my opinion on;30 DAYS AS OF FEB 2002,JUL 2001,APR 2001 which says you may have been 30 days late in april of 2001 and built it up to 120 days late in NOV 2001, but between there and FEB 2002 you were NOT reported late. The implication is that you were current in DEC 2001 and JAN 2002...and then you went 30 days late again in FEB.As I said, hard to know for sure...but lacking a detailed payment history, that would be my quess. Link to comment Share on other sites More sharing options...
bigdebt Posted January 22, 2008 Author Report Share Posted January 22, 2008 thanks for the input willing but even if i did make a payment which i didnt it was never brought current. if i remember right back then my payments were something like 60-70 a month which there is no way i ever paid them 350+ to get caught up.on a side note i disputed this with eq and now it reports as paid, current,transfered/sold,no 81 month payment history! Link to comment Share on other sites More sharing options...
Boscoe Posted January 23, 2008 Report Share Posted January 23, 2008 I'd dispute it as too old / obsolete with all 3 and see if any will remove it.If not, looks like another 9 months and you will be there anyway. Most of us would love to have that problem. Link to comment Share on other sites More sharing options...
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