They have a tendency to mark the date of status as the date the account tradeline was verified. If so, dispute it again as erroneous. If they verify it once more or fail to investigate it a second time, consult an attorney.
Date of status should read as of the date the account went 30 days past due and was never brought current (for a charge-off). Same applies to a 30 or 60 day late. Should read as the month it happened. All too often, Experian will put the date of status as the date the tradeline was verified thus, making it appear brand new in the eyes of FICO.
Experian does not have a DOFD field, or a DOLA field, so as Apex said, DOS is the only field that FICO has to calculate by.
Exactly. DOS is a random meaningless date, that can fubar a score faster than anything else. It also makes it a risk every time you file a dispute with EX. If they change that date of status to the verified date, guess what happens?
yeah they did it to me. but i print my report daily, so i phoned them up and told them i would be happy to submit to them a copy of the orginal reports (i have one for every day for the past year) along with my letter to the FTC re: changing the dates etc etc and a bill.....the person on the phone got pissy and then gave me a supervisor. magically the date changed the next day. odd isnt it?
