To understand correctly... the CRAs drop accounts 7-7.5 years from the report based on the DOFD, correct? What if the DOFD on the payment history differs from the date noted in the account summary? On my reports I'm finding a fair amount of discrepancies between the 2, with the payment history in m,y favor. Also, if you are about 4 months away from the account falling off, is it ok to ask the CRA to remove?
Yes, the DOFD is when the clock starts ticking. If the DOFD is wrong on your credit reports, but it's in your favor, I would simply leave it alone. Lastly, I wouldn't suggest requesting removal from the CRAs early. If it isn't removed from your credit reports when it should be, then you can dispute through the CRAs and cite why it needs to be removed.
