With Equifax wha'ts the deal with first major delinquency REPORTED date?

Discussion in 'Credit Talk' started by ameliorate, Jan 14, 2012.

  1. ameliorate

    ameliorate New Member

    I have a cap one charge off with a last paid date of 12/2005. The payhistory doesnt show it being charged off until 08/2006. The Date Major Delinquency First Reported is 08/2010. I have not paid on this account since 2005. I disputed with Equifax and they updated the record only to increase the balance again!! Is this Re-Aging? Is the Date Major Delinquency First Reported and the actual date of the first major delinquency two different things? When will this fall off?

    CAPITAL ONE
    PO Box 30281
    Salt Lake City, UT-841300281

    Status: CHARGE-OFF
    Account Owner: Individual Account.
    High Credit:
    Type of Account : Revolving
    Credit Limit: $3,103
    Term Duration:
    Terms Frequency: Monthly (due every month)
    Date Opened: 10/2003
    Balance: $7,813
    Date Reported: 01/2012
    Amount Past Due: $7,813
    Date of Last Payment: 12/2005
    Actual Payment Amount:
    Scheduled Payment Amount:
    Date of Last Activity: N/A
    Date Major Delinquency First Reported: 08/2010
    Months Reviewed: 98
    Creditor Classification:
    Activity Designator: Closed
    Charge Off Amount: $4,280
    Deferred Payment Start Date:
    Balloon Payment Amount:
    Balloon Payment Date:
    Date Closed:
    Type of Loan: Credit Card
    Date of First Delinquency: 02/2006
    Comments: Charged off account, Account closed by credit grantor
    81-Month Payment History
    Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
    2011 * * * * * * * * * * * *
    2010 * * * * * * * * * * * *
    2009 * * * * * * * * * * * *
    2008 * * * * * * * * * * * *
    2007 * * * * * * * * * * * *
    2006 * * 30 60 90 120 120 CO * * * *
    2005
     
  2. JoshuaHeckathorn

    JoshuaHeckathorn Administrator

    Welcome to Creditnet!

    The DOFD is what matters - 2/2006. This debt will fall off your credit reports 7 years from that date. If you want to know for sure, you can always ask Equifax in writing to provide you with the exact date this will fall off your reports.
     

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