Since the only date on the credit report is the Date Open (Privacy Guard, Tri-Merged), is that the date I count from? For example, one account is 1991. Does the countdown start from then? Looking at my Experian CR, it has Date Open 1991, Reported Since 1/1995 and date of status and date of last report are 9/2003 Which date do I use? If it is date opened or date reported since, it should be off my report already.