OK, the REAL date of delinquency, which is it?? TU lists the following items on this account: 1) Date Closed (June 1997) 2) Date Paid out (May 1999) 3) Date of Last Activity (May 1999) I know the real DOLA/date of delinquency and it *should* be June of 1997 and this account *should* fall off in June '04. I have tried everything under the sun to get TU to tell me the date of delinquency that is being reported to them, but they will do anything and everything BUT tell me this information. I've disputed until I'm blue in the face, I've sent formal requests for specific information to them, etc. All I ever get in return is another copy of my report with the same information. Apparently, they're tired of me disputing now, because they sent me a nice letter today thanking me for my request for information and telling me a bunch of no-brain stuff about how long stuff stays on your CR's. Of particular interest was this quote: 'Adverse credit history, such as collections......., to be reported for seven years from the date of delinquency'. That's all great, and everyone knows that, but how in the he** do I find the date of delinquency reported to TU? This has been frustrating me for more than a year now. This account is reported as a charge-off, but the kicker is that there is ZERO lates (30,60,90) and after my last dispute the account is now listed as 'pays or paying as agreed'?? I guess my question is this: isn't TU obligated to disclose all such information to a consumer when such a request is made? Anyone else ever run into this trouble? I know I could just wait a year and see if it falls off, but I really would like to know if I'm dealing with an account that has been reaged here, or just one that still has the correct date of delinquency but has just been disguised to be as damaging as possible to my scores. Thanks for any help!
<bump> Help! Anyone have luck figuring out how to decipher TU's date of delinquency being reported? Added to above: this account was paid in full to a CA in 2000 (CA never reported, just OC). TU lists their 'DOLA' as 2000--am I to take this as the official date of delinquency?? Both EQ and EXP have the account correctly aged, scheduled to fall off in '04. How can I find out how TU has it aged?? Thanks in advance for any help.
