length of time on credit report - 7 years from which date??

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Hi -

I have a charged off car loan on my credit report.

From my reading on this site, I believe it can stay on your credit report for 7 years from the date you were first delinquent??

However, what if you were delinquent then became current again?

Also, does this mean from FIRST delinquency or when it was charged off?

In my example, they reported....

Loan opened in Dec 2003

First reported 60 days late in July 2003

Reported OK again in June 2004

30 day late in July 2004

Charge off in October 2005

Please help!!


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