I was under the understanding that the 7 year clock on an account on a CR started at the date you went delinquent...but that IF you paid or settled an account, that amounted to an activity, thereby starting the clock all over again. AM I undestanding this correctly? I have one large black mark on my CR that I paid (before I knew much about scores/credit) and they "reaged" it to when I paid the agreed upon settled amount. Specific info would be appreciated. aiki
