I have a few old tradelines that were from accounts in 2001. On my credit report it says date opened 2001, but it also show date reported as 2005. When does the 7 years end? From the date opened or date reported? Thanks!
It drops off 7 years from the Date of First Delinquency, in which you never caught up. (Assuming it has negative info)
Or sometimes the date of status per Experian . . . and this is all assuming the data is accurate which it usually isn't.
Actually, while the Date of Status on Experian makes it appear that a tradeline has been reaged, if you call Experian, they have the DOFD in their records - they just report it (or the Date of Removal) hit or miss. FICO uses the Date of Status for reporting period calculations for lack of another date available to them.
