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My DOFD quagmire.....giddy


TheMigs
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The last post in this topic was posted 4184 days ago. 

 

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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 :dance: , 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.

 

 

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Most likely the information has not been uniformly updated. When was each of the three updated for that account?

 

Have you deleted old addresses? If so, look into the Jack Attack.

 

From what I can tell the last time it was reported was on 4/2011 on all 3. No , no old addresses have been deleted but that was one of my next steps. Strange and I can see your point.One thing that caught my eye is the Account detail on Experian its reporting as TD auto fiance and Equifax as TD auto finance Chrysler each one has a different number listed for contact info. Do not know really what to make of it.

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Also read up on obsolete disputes.

 

It probably won't work for all three yet, but you should be close on the one scheduled to drop on November.

My goal is to have them all fall off in November as Experian states it will. Not sure if I should dispute the other before or after it falls off. I found and old state and only one payment was made in 2007 which didn't bring the loan current.

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So after digging a little deeper and really taking a look at my report EQ & TRANs are reporting this to be Chrysler , while Experian is reporting this as TD Auto Finance. I'm not very informed on who TD Auto finance is or was but they seem to be very very un reliable.

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So after digging a little deeper and really taking a look at my report EQ & TRANs are reporting this to be Chrysler , while Experian is reporting this as TD Auto Finance. I'm not very informed on who TD Auto finance is or was but they seem to be very very un reliable.

IIRC, TD Bank bought Chrysler Financial.

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