Mega Contributor
Posts: 19,853
Registered: ‎03-19-2007

Re: When will it fall off of my credit report?

Wait 7 years plus 180 days.

If the CRA continues to show the CO or colection in any credit report they issue after that exclusion date, personally, I would not file a dispute.

A dispute will result in a dispute flag being posted to your CR, which messes up scoring until removed.  CRAs are notorious for not deleting dispute flags after resolution of a dispute, so you could be creating another hassle.


I would recommend handling by way of a formal complaint sent to the CRA of their violation of FCRA 605(c).

If that bears no fruit, send the same complaint to the CFPB.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.