Date of First Delinquency

[worthyfox]

Hi all,

Read through the beginner's forums/advice, but had an issue I needed some clarification on.

I have an old CC that was sold to Arrow Financial Services by Wamu. The date it was sold is listed as 2007, but I know that is not the date of first delinquency. Unfortunately, I've moved several times since then and cannot find any of my old documents regarding this - I'm aware the SOL has passed for Texas (4 years), but I think my first delinquency occurred in 2005 or 2006, not 2007. So I was hoping to check on that to identify the date it will fall off my credit report (7 years). Will a debt validation letter make Arrow Financial include this information or will I have to find it another way?

Thank you so much in advance for reading this and for any advice!

Regards,
Sara

[Lian]

Under FCRA 609(a)(1), you are entitled to request any item of information contained in your credit file directly from the CRA.
Such requests require payment of the fee set forth in FCRA 612(f), which is currently $10.50.
The information you want to request is the FCRA Compliance Date/Date of First Delinquency, as reported under the provisions of FCRA 623(a)(5).
Send an FCRA 609(a)(1) request to the CRA along with your check.