I have a cap one charge off with a last paid date of 12/2005. The payhistory doesnt show it being charged off until 08/2006. The Date Major Delinquency First Reported is 08/2010. I have not paid on this account since 2005. I disputed with Equifax and they updated the record only to increase the balance again!! Is this Re-Aging? Is the Date Major Delinquency First Reported and the actual date of the first major delinquency two different things? When will this fall off? CAPITAL ONE PO Box 30281 Salt Lake City, UT-841300281 Status: CHARGE-OFF Account Owner: Individual Account. High Credit: Type of Account : Revolving Credit Limit: $3,103 Term Duration: Terms Frequency: Monthly (due every month) Date Opened: 10/2003 Balance: $7,813 Date Reported: 01/2012 Amount Past Due: $7,813 Date of Last Payment: 12/2005 Actual Payment Amount: Scheduled Payment Amount: Date of Last Activity: N/A Date Major Delinquency First Reported: 08/2010 Months Reviewed: 98 Creditor Classification: Activity Designator: Closed Charge Off Amount: $4,280 Deferred Payment Start Date: Balloon Payment Amount: Balloon Payment Date: Date Closed: Type of Loan: Credit Card Date of First Delinquency: 02/2006 Comments: Charged off account, Account closed by credit grantor 81-Month Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2011 * * * * * * * * * * * * 2010 * * * * * * * * * * * * 2009 * * * * * * * * * * * * 2008 * * * * * * * * * * * * 2007 * * * * * * * * * * * * 2006 * * 30 60 90 120 120 CO * * * * 2005
Welcome to Creditnet! The DOFD is what matters - 2/2006. This debt will fall off your credit reports 7 years from that date. If you want to know for sure, you can always ask Equifax in writing to provide you with the exact date this will fall off your reports.