DOFD Calculator

Live. Derive the date of first delinquency from payment history, get the 7-year credit-reporting end date and catch re-aged DOFDs.

Send up to 1,000 accounts with their payment history (due date and paid on time, paid late and cured, missed or partial) and the charge-off or placement date. Returns the DOFD under FCRA 623(a)(5) (first missed payment of the uncured run before charge-off; partial payments do not cure; payments after charge-off ignored), the Metro 2 DOFD month, the 605(c) obsolescence date (DOFD + 180 days + 7 years) and whether it has passed, days delinquent at charge-off, and compares a reported DOFD: matches, reported earlier or re-aging risk with the fix. Not legal advice. Nothing stored.

Price: $0.000 per call after 1,000 free per month.

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