Re: DOLA Question
Actually, I would like to point one thing out....
For an example, let's say you had a hard time being on time with XXX acct. You were one of those that had a "running 30 day late" status. Say you had been doing this for 7 years. Finally, there was a crisis and you stopped paying all together. They charge off the account...
The delete date is based on the date where your 30 day late run began! When you stopped paying, it would take 6 mo to chargeoff. The OC's account would be deleted immediately. (7 years +6 mo). You would then only have to deal with the CA.
Sometimes, when I read this board, the way folks word it, you would think the OC's deletion is always 7 years after CO. The above example shows that this is not always the case. How do I know? My DH never paid a mortgage we had on time (I found this out much later.) When they eventually foreclosed, the running late was 5 years long. Two years after the foreclosure, the mortgage is off both of our bureaus.
Back to the drawing board! :(
EQ - 517 4/02 -> 693 5/02 -> 687 2/03 -> 515 12/04 -> 539 1/05
EXP - 542 4/02 -> 590 5/02 -> 581 9/02 > 635 2/03 -> 558 12/04 -> 573 1/05
TU fake- 432 4/02 -> 486 6/02 -> 520 9/02 -> 698 2/03 -> 511 12/04 -> 545 1/05