I paid the CC issuers/collection agencies off in April 1996 and that is listed as the date of last activity. However, the actual date of first delinquency was in 1993, but when I paid the balances my report was updated to 1996. Since it's been 5 years since 1996 will these $0 balance deliniquencies fall off my report this year? If not, where can I get information about the law that states that they cannot change the date of first delinquency? Thanks for your help!