I have a couple of accounts on my reports that were either installment loans or credit cards that went to collections. I paid them after it went to collections (this was before I knew about payment for deletion) and noticed that some of the accounts don't come off until the 7-year mark. Since I live in NY, shouldn't they become obsolete at the 5-year mark? How would I calculate the DLA for these accounts? Is it the date I paid it, or the date it first went delinquent + 180 days? Thanks.
