[jlynn]

I recently disputed a couple of things on my husband's credit report. It seems, once they update, they are now putting the scheduled deletion date back on the credit reports. Of course, it disagrees with the status date

[VexatiousLitigant]

I noticed it's been doing that a while, even without disputes. The date of status is worthless, although I did crack the code for what it means.

[Enigma]

Originally Posted by VexatiousLitigant

I noticed it's been doing that a while, even without disputes. The date of status is worthless, although I did crack the code for what it means.

What does it mean?

[jlynn]

Originally Posted by VexatiousLitigant

I noticed it's been doing that a while, even without disputes. The date of status is worthless, although I did crack the code for what it means.

Oh I knew for a long time the date of status was worthless, but that's I read somewhere that is what FICO uses when calculating because that is the only date they have to go by.

[VexatiousLitigant]

Originally Posted by Enigma

What does it mean?

Date of status = date last reported IF account is in good standing.

Date of status = date account status changed on an account in bad standing.

A charge off will report a DOS of the charge-off date. If something changes in the status of that account IE it changes to paid charge-off, the DOS will reflect that new date. I'm not sure if it has any effect on FICO.