CLARIFY... Do you mean like an account is NEVER on your CREDIT REPORT for like 2 years, then shows up one day??? THEY MAKE THEIR OWN RULES...SO I DON'T THINK IT MATTERS HOW LONG IT TAKES TO REPORT IT...AND THEY DON'T HAVE TO UPDATE IT IF THEY DON'T WANT TO, EITHER. My MONKEY WARDS has been OFF for years...now it's back ON.
I mean:Like something that has never been on your account ever,then is reported 2 to 8 years after the event occurred.