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Date of First Delinquency and Re-Aging Red Flags
How to spot a Date of First Delinquency that moved, and the re-aging pattern to flag for verification.
What is inside
- The rule: the reporting clock runs from first delinquency
- Five red flags on the start date
- A checklist for verifying a date before any dispute
Who it is for: Dispute operators checking the Date of First Delinquency on negative accounts and the reporting clock it starts.
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Questions
Does a re-aged date stay on the report longer?
It is reported longer only if the reported date is wrong. The problem is an inaccurate start date. Verify the date before you act on it.
Can I give a client an exact removal date from this sheet?
No. State the rule as the statute reads, verify the current official text with counsel, and say the exact date depends on the facts of each account.
SCAIL is software and does not repair credit or promise results. Educational information, not legal advice. Laws change; verify with counsel.