Question about the FCRA Compliance Date/DOFD?

[lukez]

Is this date going on the first delinquency of the OC? Also if it is going off the DOFD from the OC would it matter then if CA are reselling the accounts as it still should have this date?


I have been reading that this date is not always reported on the report and the date assigned/opened that is put on by the CA is not the actual DOFD.

[Trish]

You are correct. The DOFD from the OC is what you go by. It can bounce around from CA to CA but the SOL for reporting it goes off of the FCRA compliance date......the DOFD.

And yes, the CA usually reports the date open...which is the date they acquired or were assigned the debt.

[lukez]

Trish,

Thank you, I responded to your other reply to me as well. I was just worried as I saw no FCRA dates and really recent dates for CAs that I knew were at least 5 years old. Once I called Trans Union they gave me the FCRAs which sounded accurate. She even told me the date they will be removed as well.

Would there be any difference in the FCRA from Trans Union to Equifax? Pretty much everything that is on one report is on another so if I call Equifax they should give me pretty much the same FCRA dates as Trans Union or close too it?

The only discrepancy I see is an $86 CA, it is on collection company on Trans Union and is be reported under a different CA name on Equifax.