How to Determine the Date of First Delinquency

In terms of bills, the "date of first delinquency" is the date at which you missed your first payment. This is not necessarily the date in which that payment was due; rather, it is the exact date at which that payment was considered late by your debtor or lending organization. This is an important date to know because it will directly affect the amount of time you have to dispute a debt and will let you know when you can expect the delinquency to have a negative effect on your bill or loan status.

Instructions

1

Look on your billing statement to find the exact date the payment you missed was due. This information should be on the billing statement you received before missing a payment as well as on every statement thereafter.

2

Read the billing agreement to find out how many days must pass for a missed payment to be considered "delinquent." Missing a payment by 24 hours is not enough to consider an account delinquent. This period often is a few weeks or even a few months in some cases.

3

Use a calendar to add the number of days from "Step 2" to your original date in "Step 1." For example, if your payment was due January 31 and would be considered delinquent after 30 days, the "date of first delinquency" would be March 2.