Date of First Delinquency- how to determine

[mizliz1011]

Hello all,

 

1. 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.
2. Regardless, does dating go to Oct. 2008 of last payment or Feb 2009 of first set of new delinquencies????
3. 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...
4. 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?
5. 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...
6. 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?
7. 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

8. 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

[shifter]

you have to get your real, hard copy reports from each bureau.

 

it will say on those.

 

whatever online 3 bureau pull you're looking at is pretty useless for credit repair.

[moosetracks]

you have to get your real, hard copy reports from each bureau.

 

it will say on those.

 

whatever online 3 bureau pull you're looking at is pretty useless for credit repair.

 

+1

 

The DOFD is defined as the first appearance of a 30 day late that leads to the account being CO, typically the DOFD precedes the CO by 6 months.

[mizliz1011]

thank you GDALE6.so, oct payment with a late fee still outstanding and some more charges in January might count as DOFD? kind of shakey given that the only delinquency would have been a past due late fee which they credited...I will have to wait for the actual invoices from dell... has taken me since Feb to get a promise to send them.

 

and Shifter, the credit pull is from Experian, $14.95/ three CRA pull if you are on ProtectMyId, which is free because of Target credit breach...I believe that it is pretty lousy and inaccurate as well. Have also noticed some changed account number on some old debt. Has anyone else noticed that? pretty disturbing because I pull info by using the account number when I am able to call in. thanks to all.

 

I have NEVER been able to get an obsolete, even real close to NYS 5 year purge. Does anyone have any suggestions? or is this an old method? I have also had it not happen when they say it will happen, makes it all quite queasy...