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Discussion in 'Credit Talk' started by staces5, Nov 15, 2001.
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I believe it is from "date of last activity", but I could be wrong!
Hopefully someone who is sure will answer!!!!
Experian is very confusing as they don't use "Date of Last Activity" like Equifax does. The creditors/collectors are required by law to report the DOLA, so they *should* be reporting it as such.
Sometimes they use "Date opened", sometimes it's "Last reported". It's different depending on if the account is the original creditor or a collection account.
But, in the end it's 7 years from DOLA. Last activity is the last time you made a payment. There are a couple time issues in there. Sugget you read the FCRA with respect to the 7 year clock.