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Discussion in 'Credit Talk' started by wondering, Feb 11, 2001.
Thanks for any assistance!!
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correction. I filed for Ch 13 bk in Nov 95. wondering whether they list the creditor last activity date as the date you filed for the bk.
I'm sure your question references the "7 year reporting clock" you've read so much about.
It's seven years from the original delinquency date OR charge-off date, whichever is later.
The 7 years from the original delinquency date or 'ODD -- the date on which you missed a payment, it became delinquent, and it NEVER AGAIN became current.
The charge-off date is the date on which the company charged off the loss on their P&L. This is usually about 6 months or so after the ODD.