4,10,20

>>4803718

thanks!

probably old news, but jut saw DOFD

[D]ay [Of] [D]ays - Date of First Delinquency

"According to the Fair Credit Reporting Act (FCRA), negative entries can remain on your credit reports for 7 years from the "Date of First Delinquency" (DOFD). The DOFD is the date a consumer first becomes 30 days late, never brings the account current, and then a charge off ensues."