Anyone know an accurate way to find out the date of last activity on an account? I have accounts with 3 different DOLA's on my CR's. I don't know which CR has the right DOLA. The accounts are so old I can't remember the last time I made payment on them. I'm in Pa. I believe the SOL is 6 years. So I'm trying to figure out what to do with these older accounts.
I'm assuming they are negative? What DOLA's are being reported (not date of reporting or date of status). TU (on mailed reports) usually lists fall off dates, Experian you have to call on, and EQ (on mailed reports) usually says DOLA.
They all are negative. Is there a way to dispute the DOLA? The only reason I ask is because, if all the the CRA's are supposed to be verifying the tradelines I'm disputing, shouldn't the DOLA be the same for each one? If they aren't the same isn't a CRA lying about verifying the info?
It is my understanding that when they verify, they just code a request to the data furnisher to check what they are reporting. Pretty sloppy "verification".
Right on. Ontrack! All they do to verify is ask the furnisher "is this correct?". You can dispute the DOLA - I have. Sometimes, disputing something miniscule causes things to go way easier than disputing as "not mine".
OK, I'll try that out. I know something is not accurate if the CA is reporting two different things to two different CRA's. Thanks for the help.
The CRAs represent that their reports are highly accurate, but of course if there are any errors, it wasn't their fault. Similarly, it wasn't the data furnisher's fault, so it's really no one's fault. They then have procedures to allow you to dispute, and if they don't fix it, it's still no one's fault, since they have procedures, and this was just a one time error. And if you dispute it again, well, that's frivolous, since it was already disputed. A good way to not have errors, is to just not show them! If the date of last delinquency, or fall-off date, is not visible in the report, everyone is happier! If you don't know it's wrong, maybe you will stop complaining, and just accept the fact that you're just a deadbeat consumer who deserves high rates!
