Mailed Report Missing Info

[CandiedCredit]

Hi Everyone, I requested hard copy reports from all 3. I just received my Trans report in the mail. To my surprise my report does not include date of 1st delinquency nor does it show any address identification numbers . Has anyone else had this happen to them? Do I need to request another report? Im so butt hurt, I was eager to get things rolling. Any help would be greatly appreciated. 

[centex]

I don't recall TU as having Address Identification Numbers.  The last paper report I had from them just indicated when the address was reported. 

 

As to DOFD info, I will have to defer to someone with any manner of negative reporting. 

[legaleagle2012]

https://www.ecfr.gov/cgi-bin/text-idx?SID=0afbb02660adbeacc74a0a93f6e8ff40&mc=true&node=pt16.1.660&rgn=div5#se16.1.660_13

[cv91915]

On 5/10/2021 at 7:26 AM, CandiedCredit said:

Hi Everyone, I requested hard copy reports from all 3. I just received my Trans report in the mail. To my surprise my report does not include date of 1st delinquency nor does it show any address identification numbers . Has anyone else had this happen to them? Do I need to request another report? Im so butt hurt, I was eager to get things rolling. Any help would be greatly appreciated. 

 

All of the bureaus use proprietary report formats and information architecture.

 

TU shows the entire payment history graphically.  Just find the month with the first 30 DL that was never followed by a month where the account was current.  That's DOFD.

 

I believe Experian is the only one that puts address IDs on the report.  That doesn't mean you can't dispute old addresses on the others.

 

 

Edited May 12, 2021 by cv91915

[CandiedCredit]

6 hours ago, cv91915 said:

 

All of the bureaus use proprietary report formats and information architecture.

 

TU shows the entire payment history graphically.  Just find the month with the first 30 DL that was never followed by a month where the account was current.  That's DOFD.

 

I believe Experian is the only one that puts address IDs on the report.  That doesn't mean you can't dispute old addresses on the others.

 

 

Thank you so much for your input, I actually just received my Experian report and you are right it does show my address Id's.