First, the FCRA periods apply to individual adverse items of information reported under an OC account, not the account itself.
A charge-off has one, very explicit, date certain for credit report exclusion. It is the DOFD on the OC account, plus 7 years plus 180 days.
No other dates have any effect on credit report exclusion of a charge-off.
When a creditor reports a charge-off, they are required under FCRA 623(a)(5) to report the DOFD on the account to the CRA within 90 days.
That date is retained under its own reporting code, and is the only date used by the CRA to determine its exclusion date.
Reporting of later dates of activity, regardless of the activity, does not reage the DOFD, and thus has no effect on CR exclusion.
