jennk Posted October 18, 2006 Report Share Posted October 18, 2006 I have an account on my credit report that reports the date of last activity as 3/00. The entry for that date is 120 ... meaning 4 months late as of 3/00. So considering that they can report for 7 years does that mean this will fall off 4 months before 3/07 or will it stay there until exactly 3/07? Link to comment Share on other sites More sharing options...
jennk Posted October 18, 2006 Author Report Share Posted October 18, 2006 I reread the stickie above - I had forgotten about that. So I guess it falls off 4 months before. Link to comment Share on other sites More sharing options...
VonAngel (aka EarthAngel) Posted October 18, 2006 Report Share Posted October 18, 2006 The Date of First Delinquency (or Date of First Major Delinquency) is what determines the "fall off" date. What's that date on your EQ report? Did you bring the account current on 3/00 after being 4 months late? How are your other CRs reporting this TL? Link to comment Share on other sites More sharing options...
LadynRed Posted October 21, 2006 Report Share Posted October 21, 2006 Actually, it won't come off until May of 07 - 7 years PLUS 180 days after the date of first delinquency. If it was 4 months late as of 3/00, it went delinquent in 12/99, so figure 7-1/2 years from Dec 99. Link to comment Share on other sites More sharing options...
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