For the life of me, I can not find the dates on the reports that tell when each account was first deliquent. I understand this is important as to when the 7 year process begins. Thanks.
Are you looking at reports from the CRA's directly, or a 3 in 1? If its from a 3 in 1 provider, knowing which one might help someone familiar with their format.
Here are the actual lines - i see dates for last activity but have no way to figure out when I was first deliquent. By the way, any ideas on where to start cleaning up my credit? All derogatorys are paid except Chase. CHASE NA / REVOLVING (01) EFX I 09-99 6086 N/A 6086 11-00 COLL/P&L 11-00 01 01 03 11-00 9554 (02) XPN I 09-99 N/A N/A 6086 01-01 COLL/P&L 6000 01-01 01 01 03 01-01 9 (03) TUC I 09-99 6086 N/A 6086 01-01 COLL/P&L 11-00 00 00 00 11-00 9 COMMENTS: XPN: ACCOUNT TRANSFERRED. TUC: ACCOUNT TRANSFERRED. DISCOVER FINANCIAL SVC /REVOLVING (01) EFX I 04-94 2000 116 CLOSED 11-00 DEL 120 255 11-00 01 01 04 11-00 5554 (02) XPN I 04-94 N/A N/A N/A 12-00 COLL/P&L 3000 11-00 01 01 04 11-00 9 (03) TUC I 04-94 3036 N/A CLOSED 01-01 UNRATED 00 00 00 01-01 - COMMENTS: EFX: CLOSED BY CONSUMER. XPN: CLOSED BY CONSUMER. TUC: CREDIT LINE CLOSED. FLEET CC / REVOLVING (01) EFX I 04-98 6276 85 6276 12-00 COLL/P&L 1000 12-00 01 01 05 12-00 9555 (02) XPN I 04-98 N/A N/A 6276 12-00 COLL/P&L 1079 12-00 01 01 05 12-00 9-666543211111111111111 (03) TUC I 04-98 6276 N/A 6276 12-00 COLL/P&L 1079 07-00 00 00 00 07-00 9 UNITED ACCOUNTS INC /0000000000044XXXX COLLECTION (02) XPN I 08-00 100 N/A N/A 03-03 CURRENT -- -- -- 03-03 19 COMMENTS: XPN: ACCOUNT SUBMITTED TO COLLECTION; PAID. ASSET ACCEPTANCE LLC /CHASE INSTALLMENT (01) EFX I N/A 7627 N/A 7627 11-02 UNRATED 7000 00 00 00 11-02 - (02) XPN I 11-02 7500 N/A 7627 12-02 UNRATED 00 00 00 12-02 - (03) TUC I 11-02 7627 N/A 7627 12-02 UNRATED 00 00 00 12-02 - COMMENTS: EFX: CUSTOMER UNABLE TO LOCATE SUBJECT. XPN: CUSTOMER UNABLE TO LOCATE SUBJECT. TUC: MOVED; LEFT NO FORWARDING ADDRESS.