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What Is the Date of First Delinquency (DOFD)?
The DOFD decides when a negative item must fall off your credit report. Learn how the seven-year clock is really calculated, why paying does not reset it, and how to spot illegal re-aging.
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Credit Utilization: Statement Date vs. Due Date
Your card issuer reports your balance on the statement closing date, not the due date. Here is why paying in full is not enough, and how to fix utilization in one cycle.
