Hello ! On my CR there is a item for collection 30 day 2/1997 60 day 5/1997, etc charge off 11/1997 I have a copy of old experian report showing the above. In this case, when does the item fall off my credit report. I did not make any payments after 1/97. also, how does one remove a paidcollection $0 - dish network argh!
Well it seems that you went delinquent in 2/97 They have Charge Off listed as 11/97 but according to FCRA for date of status it must occur no later than 180 days (6 mo) from date of delinquency (the Feb payment that was not made) so it looks like 8/04 is the time this item should come off (7yr +180 days) others may know more about the math than I but that is how I would look at it
It should be gone already. The 180 day mark is the latest they should've charged it off. Whether or not they do is irrelevent because the deliquent date is what matters.
thanks all for your replies. 1. how does one remove a paid collection $0 [2/2002] 2. how many approximately fico points are affected by two 30day late mortgage payments in 6/2001 ?
