🚨 Credit Report Tip Most People Don’t Know About One of the EASIEST ways to catch and remove negative items on your Equifax report is by checking for illegal re-aging — and most people don’t even realize it’s happening. Here’s the simple breakdown: 🔎 What to Look For Every negative account has two important sections: 1️⃣ Date of First Delinquency (DOFD) — This is the date the account first went bad. — This date determines when it MUST fall off your report. 2️⃣ Payment History Grid — Shows ever