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I have an account from WI Electric that is very old. It went to collections and the CA later charged it off. About a year ago I paid the balance in full to the CA. I think it's possible that this may have hit SOL from DOFD. Who do I speak with to find out when DOFD was? SOL is 7.5 years on this right? This occurred in WI and I currently live in IL. Another question I have is since this was a monthly payment for electric, is the DOFD the first month I stopped paying, or the last month? My roommate didn't pay the electric bill for about 4 months and it was in my name.

So I had a perkins student loan defaulted on in 2000. I never made a payment or consolidated this student loan because I forgot all about it. now Fast forward to 2013 the dept of ed picks it up and I pay it off in full. On my credit report the dofd says 2009, I contacted the cra & dept of ed to tell them the original delinquency date was in 2000 not 2009. They both refuse to act on my dispute. Now I just received my letter from my school staying everything I said is true. So my question is can gov serviced loans have the ability to be re-agged?

I've don't recall having a Chase account. I think the account is an account Providian alleged I owned at some point (Providian--->WAMU--->Chase). The account was sold to Equable Finance. INC. And I was taking to court over the debt maybe two years ago. I won the case because they were not able to furnish any agreement with my signature to actually prove the account was owned by me. After several letters to Equable Finance. INC. I was able to have them remove their negative TL off all three CRA. The problem is Chase is still report the alleged debt the three CPA which is greatly impacting my credit score. Any advice on how I should go about having Chase delete the negative TL. I am unable to determinate the DOFD. Its a little confusing to me Hence why I listed it this way DOFD... CLS = closed so how could I have a closed account, then several months later it reported as 30 delinquent?? DOFD: 2010 2009 DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL CLS 180 150 120 90 60 30 CLS CLS CLS 30 CLS CLS CLS CLS CLS CLS CLS CHASE BANK USA, Address Identification number: BLANK Stauts: Closed. $1,289 past due as of Dec 2010 Date Opend: 10/2001 Last Reported: 12/2010 Original Amount: $4,422 Comment: Purchased by another lender. -RealMcKoy

I have made several attempts to resolve this debt with Macys the original debt amount was $245.00 cant remember the year.. but the debt have been sold the a CA that does not report to the CRA. I sent a letter request a paid for deletion and they never responding, and sent a DV and they never responded. I am frustrated because I don't know what my next option is in order to exonerate negative TL from all three CRA. DOFD: Safe to assume the DOFD = NOV/30/2010 2012 2011 2010 JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV CO ND ND ND ND ND ND ND CO 180 150 120 90 60 30 Macy's Address Identification Number: Blank Status: Account charged off. $445 written off. pass due as of Jan 2012 Status details: This account is scheduled to continue on record until Aug 2017. This item w as updated from our processing of your dispute in Jul 2006. Date Opened: 10/1998 Last reported: 1/2012 (This information is incorrect) Comment: account closed at credit grantor's request -RealMcKoy

Hi all, Thanks for all your help thus far. I am finally making progress. I have this last negative account on my experian report. Equifax and Transunion has fixed this on my report but Experian is being stubborn about it. I received this letter from my mortgage company after I contacted them trying to get the correct information. I had a short sell back in 2007. Experian says this will not fall off until August of 2015. Since they say in this letter that the loan was still due from May of 2007 shouldn't it have fallen off already or do I go by the Dec 2008 date. I'm trying to get Experian to delete this.The letter is below. Dear, We recently received a question or request for information about your credit report for the account listed above. This question or request may have come from your or a third party on your behalf. Our records show that you paid off (or settled) the account for less than the full balance as of December 2008, and you loan was still due for the May 2007 payment at the time it was settled. We have confirmed that the major credit agencies (Equifax, Experian, Innovis, and Transunion) are showing the same information. We appreciate your business. If you have questions, please call us at one of the telephone numbers listed below. Sincerely,

Hello all, I bought a computer 1/09/08, many delinquent payments but paid in full balance on 10/11/08. Realize now that I must have had a late payment fee since paid by check written on that date (going from NYC to Texas) which was the due date on the account vs enough time for check to get there. Lots of late fees (15) since 2/06 (when I opened account) and one returned check on my account... new purchases on account (don't know who made these, a norton antivirus and a memory stick) in Jan, 09 totalling $181... With fees, now $429 charged off in Sept 2009...... I believe that this would normally age off on Oct 2013 or Feb 2014 and I think that late fees were credited by Dell to re-age account after last payment. Regardless, none of three CRA's will budge on this one despite disputes...and they have the Oct 2008 payment and charges to account in Jan 2009 and charge off in Sept 2009. Regardless, does dating go to Oct. 2008 of last payment or Feb 2009 of first set of new delinquencies???? there were no payments made since Oct 11, 2008 but I believe that account may have had late fees after that payment keeping account past due... does NYS purge law apply since a payment was made and if so, is it so only if a balance was carried after last payment on an old charge balance? trying to get records from Dell which is a mouse, they have now promised to send them and I will see if they re-aged a/c by removing balance of interest and late charges incurred after Oct 11/2008 payment...Summary of the a/c (with no dates) shows a credit towards a late fee and interest, interesting... do new charges on a re-aged -0- account restart the aging of the date of first delinquency which, by all accounts, was usually delinquent? this account is haunting me... and the CRA's, even TU, won't budge. I must be missing something...HELP!!! thanks anyone who can help,,, Liz WEBBANK/DFS Potentially Negative Closed 800-283-2210 1 DELL WAY ROUND ROCK, TX 78682 Account Name WEBBANK/DFS DFS/WEBBANK DFS/WEBBANK Account # 687945012904458XXXX 687945012904458XXXX 8794501290XXXX Account Type Charge Account Revolving or Option Revolving account Balance $429.00 $429.00 $429.00 Date Opened 2/1/2006 2/1/2006 2/16/2006 Account Status Closed Closed Closed Mo. Payment $0.00 Close Account Details Past Due $429.00 $429.00 $429.00 Payment Status Charge-off Bad debt & placed for collection & skip Charged off as bad debt High Balance $429.00 $1,410.00 Limit $3,000.00 $3,000.00 Terms Revolving Comments Credit line closed-grantor request-reported by subscriber CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR Canceled by credit grantor

I need some clarification: How long does it take a TL to fall off a credit report? 7 years from date of first delinquency or date of last delinquency? I am looking at my TU report, hard copy right now. I have a [30] from 03/2008, that would be date of first delinquency or not? (that is my first missed payment of this account and it says under account summary the date closed is 04/2008!?!) After the [30], there are 3 months of [60] then [OK] until 7/2009. From 7/2009, it goes [30], [60], [90], [120], [120], then 8 straight [CO]'s, with the last [CO] being 07/2010. DOFD or DOLD are not listed under account summary. However, date of last payment is listed at 05/2009. (even though i have an [OK] at 06/2009). The estimated month and year for it to fall off is listed at 05/2016... 7 years after date of last payment. Sorry if this is confusing... but according to this data... when should this TL fall off?

Who do I call or write an obsolete letter too? Also how do I write the letter?

Morning, I need help confirming my DOFD on my Experian credit report, so I copied and pasted the info below. Is my DOFD November of 2008? They don't actually list it, they just show you the chart. And do I need the actual "day" of first delinquency, or will the month and year suffice? Last question.. on the online report, it's listed as Tribute/Compucredit Corp. Is Tribute/Compucredit Corp. the name of the OC? Or is showing me OC/CA? Thanks in advance! Payment History: 2009 APR CO MAR 150 FEB 120 JAN 90 2008 DEC 60 NOV 30 OCT OK SEP OK AUG OK JUL OK Account History: Charge Off as of Apr 2009 180 days past due as of Apr 2009 150 days past due as of Mar 2009 120 days past due as of Feb 2009 90 days past due as of Jan 2009 60 days past due as of Dec 2008 30 days past due as of Nov 2008

I have a bunch of student loans that went into default several years ago. They've all since been rehabilitated and I pay them every month like clockwork. Through a LOT of persistence (ie, making a pest of myself), I actually managed to get Sallie Mae to remove all of the lates from their loans but I was never able to get KHEAA to budge, so I've been waiting those out. KHEAA told me at the time they were due to come off in the fall of 2014, but looking at my credit report, it seems they should be aging off sooner than that. Here are the dates for the 4 KHEAA loans: Date updated: 08/07/2012 Last Payment made: 10/24/2006 Date Closed: 10/31/2007 >Maximum Delinquency of 120 days in 03/2007 and in 08/2007 for $358< They all show last payment made in October 2006, a 60 day late notation for Jan 2007 and 120 for Feb 2007 through Oct 2007 when the account was closed. Wouldn't that make Jan 2007 my DOFD and Jan 2014 the date they should age off? Instead it seems KHEAA was using 7 years past the closed date for when they should come off. Anyone know which would be correct? I'm wondering how soon I can start hounding the CRAs to remove these as obsolete. Thanks in advance.

I'm on the home streach but...... Unfortunatly the last Charge off on my report is reporting different DOFD to all 3 agencies. I'm not sure how to handle this , Experian DOFD 11/06 due to fall off on 11/13, Equifax DOFD 08/07 due to fall off 8/14, Transunion DOFD 07/07 due to fall off 7/14. The OC is showing the DOFD was 11/06 on the 81 payment history for all 3. I'm confused, how should I dispute ? How can the creditor report 3 different dates ? Shouldn't all the information be uniform? Please help.

Looking for input on this account. HSBC Bank account (formerly an old Orchard card) is reporting on EX & TU as closed/charge off. Account opening date on EX & TU is May 2006. I disputed the HSBC entry as obsolete (my records indicate DOFD was September 2006, so should drop off September 2013). I disputed both EX & TU as obsolete in hopes this would fall off early. Transunion dispute results are back and they updated as follows: Account Sale Info: ACCOUNT SOLD TO PORTFOLIO RECOVRY Remarks: ACCT INFO DISPUTED BY CONSUMR; PURCHASED BY ANOTHER LENDER; TRANSFERRED TO ANOTHER OFFICE Estimated month and year that this item will be removed: 07/2014 I'm still awaiting EX's response to my dispute as obsolete. My question is, assuming EX responds in the same way, what should my next step be? Thanks in advance for suggestions.H Side note: Portfolio Recovery was reporting on all 3 for this account, but after dispute (they were reporting payments) it is off EX & TU and I expect it off of EQ any day now per their response.

If a DOFD is August 2009, and the SOL is 4 years, is it outside SOL now (July 2013) or will it not be outside SOL until next month (August 2013)? Thanks!

I have a CA showing on my reports Fairway Capital Recovery Placed for collection 3/14/12 Responsibility Invidiual Account Type Open Loan Type Collection Agency/Attorney Balance $479 Date Updated 4/2/13 Original Amount $479 Original Creditor Duke Energy Southeast Past Due $479 Remarks Placed for collection Estimated removal 12/2018 I did have a Duke Energy account at a residence I moved from in April 2009. On a utility account, is the DOFD the date the bill went past due? If that's the case, then the DOFD should be 4/09 or 5/09 at the latest. I read all of the below listed threads and took from them that Duke Energy qualifies as an UCC making the SOL 4 years, no matter what state I am in (which is SC, and I have not crossed state lines) http://creditboards.com/forums/index.php?showtopic=30358&hl=%2Bduke+%2Benergy&do=findComment&comment=216465 http://creditboards.com/forums/index.php?showtopic=18692&highlight=utility+across http://creditboards.com/forums/index.php?showtopic=7692&highlight=utilit*+account+type http://creditboards.com/forums/index.php?showtopic=17872&page=2 By the "Estimated removal date" of 12/2018, it would appear that the DOFD would be 6/2011 to 12/2011 meaning 1) this is not the Duke Energy account from my old residence or 2) the DOFD has been re-aged Before I tackle this I want to make sure I am beyond the SOL for this account. If the last bill I paid was in either March or April 2009, is it true that the SOL for this particular account would be up in March, April or May 2013? Or am I misunderstanding when a UCC SOL begins? 2nd question, which bills fall under the UCC -- evidently a power bill does, I'm assuming a water bill, natural gas bill and possibly home telephone. What about cable and/or satellite TV, internet and cell service? Do they also fall under UCC SOL or would they fall under the SOL like a revolving account? I do not know if I have received initial contact from this CA or not, as I am just beginning this process and I have always just thrown away what I perceived as junk mail If this is out of SOL for sure, should I begin by sending a letter to the CA claiming this can't possibly be mine with the dates that are being reported, please validate all information? or should I not even mention the dates or the fact that it might not be mine and just ask for the validation? Appreciate any thoughts on this issue. You all are awesome! Kat

I got my hard copy CR from EXP last night. I'm so annoyed. The $55 collection for Columbia House is on my report until Nov 2013. That being said they do not show the date of default. Just the CAs date of opening and when they started reporting. Now is it really okay to contact Columbia House to find out when the acct was open and defaulted? Would EXP havet that info? (This same collection was on my TU report and gone the same week I discovered it so I'm thinking it is already out of reporting time). Usually when I get my hard copies I have all the info I need so this is a first. Any help would be appreciated!

On my 1 year old TU CR, each TL has this entry: "estimated month and year this item will be removed". Is this something the creditor would have provided, or TU guessed on their own? (The reason I'm asking is that I have a baddie in my EX CR past the date TU said it would remain)