Zeljka411 Posted April 4, 2020 Report Share Posted April 4, 2020 Hi, I had a car repossession in 2014. The account was opened on 2013. The last payment shown on my credit report is 07/2014 (I believe that this is a payment they applied after they sold the car). The account shows closed on March 2014. There has never been a judgement filed or any other collection activity that I am aware of (no collections on my reports). The last balance reported was on that is 07/2018 (almost 2 years ago). Would this be falling off my credit sometime in 2020? Should I dispute this account after July 2020 or just let it be. Thanks for any suggestions. Quote Link to comment Share on other sites More sharing options...
Harry Seaward Posted April 4, 2020 Report Share Posted April 4, 2020 The date of first delinquency (DOFD) is what is used to start the clock for when the item must be deleted. The DOFD is when you first went delinquent (first missed due date) and never brought the account current again. It should come off 7 years +30 days from whenever you made your last payment. They can't count the amount they applied as a "payment". Quote Link to comment Share on other sites More sharing options...
Zeljka411 Posted April 8, 2020 Author Report Share Posted April 8, 2020 Harry - thank you for your input. Quote Link to comment Share on other sites More sharing options...
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