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ahj3939 t1_j6iekym wrote

Reply to comment by schrodingerzdawg in Charged off credit card account, dates on credit report inaccurate by schrodingerzdawg

What does it show for date of first delinquency?

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schrodingerzdawg OP t1_j6k7oyz wrote

I'm not seeing that data point on my Transunion report.

I couldn't pull my other one, I think I might have locked it during the experian leak? I'm going to see what I can do about that.

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ahj3939 t1_j6k9opi wrote

On Tranuinion it will show "Estimated month and year that this item will be removed"

DOFD will be that date minus 7 years.

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schrodingerzdawg OP t1_j6kb3ui wrote

So by that number it's saying DOFD was 2018 which is hugely inaccurate. It was at least 3 years earlier, if not more.

It does seem like this debt was maybe sold to a debt collector, then sold back to the original creditor? I think I used to get letters from debt collectors, and now I get letters from the original creditor again.

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