7 year clock on lates

When does the 7 year clock start ticking on lates. From the first one or the last one.

If you have 6, 30 day lates over the course of 2 years, Experian (kindly) ages the 7 years from the last late date.

I can't find anything in the FCRA or staff opinion letters that spells this out.

 

WC,

Thanks for the reply.

I definately see in the FCRA and opinion letters where what you stated applies to charge offs. But I don't see where it applies to lates.

The lates aren't consecutive and didn't lead to a charge off. They are all after 1/98.

For instance:
30 days late 2/98, 4/98, 7/98, 12/98, 1/99, 3/99.

Experian says that the tradeline will remain until 4/2006, 7 years after the last late.

I'm trying to figure out if there is any verbage in the FCRA or staff opinion letters that deals with this, but can't seem to find it.