Ok I need a clarification on when my only negative falls off my credit report ( I was stupid in college). Here is what is listed on my Experian report.
120 days past due as of Jan 2004
90 days past due as of Dec 2003, Jun 2003, May 2003
60 days past due as of Nov 2003, Apr 2003
30 days past due as of Oct 2003, Mar 2003, Feb 2003
So my question is do I take 7.5 years from the first date I was late which was Feb 2003 meaning the lates would be removed around August 2010. Or do I take 7.5 years from the last late which was Jan 2004 meaning the lates would be removed around July 2011.
Sidenote: I know that Equifax is different than Transunion and Experian in determining when remove negatives off your credit report. And thanks ahead of time for your responses!