Can you get stuff deleted 7 years from the first negative or the last negative in the account? If the first, my online report only shows the last few years... how to get a complete history to see when the first negative was? Thanks!
Of course, TU only reports the last 24 months. Go see if this helps you Deb. http://www.ftc.gov/bcp/conline/pubs/buspubs/infopro.htm
The 7 year period has nothing to do with getting anything deleted... You can get any trade line deleted at any time, if you come up with a good enough plan for attacking it... The 7 year period is from the first delinquency, after which the account was never brought current again. So if you fell behind in Jan; paid double in Feb, the period is reset again. If you only paid one payment in Feb, then it still wouldn't be caught up; so the period wouldn't be reset (so Jan would be the start of the period.) The 7 year period is basically when the negative information *MUST* be removed, but it *COULD* be removed any time before that.
