Ok looking at my credit report which date do I go by, in regards to disputing the 7 year timing? The date opened, Date Closed, Date Updated? Please advise, so I can see why some of these companies are still reporting since 1997. Thank you.
I think it's date of last payment or date of deliquency or the date when the OC was otherwise able to sue you. And I understand that they have 7 years + 180 days to report from that date.
I still don't understand which date on the report to go by according to the 7 year timing....Can some one please break this down for my slow behind...LOL....Thanks.
Its the Date of First Delinquency, in which you never caught the account up, that starts the clock. Experian is the worst - there is nothing on their credit report that you can look at with ANY CERTAINTY to see that date. I think TU is putting a "fall off" date on theirs, not sure about EQ. You have to call EX and ask them when it is going to fall off. Are there good accounts? Or accounts with negative items?
Re: Re: 7 Year Timing, Which date 2 look at Thanks everyone....Jlynn this is for negative accounts opened early as 1997 still showing on my credit report . Thanks...
Re: Re: 7 Year Timing, Which date 2 look at They may have been opened in 97, but when did you go delinquent?
Re: Re: 7 Year Timing, Which date 2 look at Even when they dont list the DOFD, you can sometimes "devine" it from the acct history section.... it would be the "30day late" listed before the default.... 30,60,90... So the last day of the month before the 30day was posted is the day the clock started on SOL. and reporting.
