FCRA Date of First Delinquency (DOFD)
The date that starts the seven-year purge period for certain derogatory events.
Updated 8/14/2025 · 1 min read
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Regulatory anchor
The DOFD is the date on which a delinquency that ultimately led to charge-off, collection, or foreclosure first occurred. It must be accurate and immutable once established.
Establishing DOFD
Identify the first missed payment that was never fully cured before the charge-off/collection event.
Lock the date at the moment the account transitions to that terminal path; do not shift the date later for partial payments or internal adjustments.
Quality checks
No future dates.
No movement after initial set; any drift suggests logic errors.
Consistent with status progression (e.g., a charge-off without a DOFD is a red flag).
Last updated
8/14/2025