30 day late reporting

nbean · ‎02-10-2015

I have a 30 day late from June of '08 on CR. The account was paid in full and closed on April '09. Will the 30 day late report until June '15 or until April '16? Confused. I think it's until 7 years from last activity, but then conflicted because I also saw it's 7 years from default. WTH?

First Ent Visa $21,800, Nasa PLOC $10K, Nasa CC $10K, Citi DoubleCash $12,200K, Penfed Promise $6K, Penfed Cash Rewards $5K, Total Rewards Visa $20K Lowes $35K QuickSilver CapOne WM $20K United Chase VS $2,800 Hyatt Chase VS $2,800 TJMaxx Mastercard $8K Barclays Rewards $3,700, Pier One $8,500 Walmart MC $8K Kohls $3K, Overstock $8,900, Discover $8K, Home Depot $20,700, JCP $10K, Victoria's Secret $5K, Ballard $10K, WilliamsSonoma Visa $11K, Grandin $4K, Banana Republic Visa $6K, Avianca Vida $25K, BoA $15K,BoA 3-2-1 $7,500

RobertEG · ‎02-10-2015

Seven years from date of occurence of the delinquency.

nbean · ‎02-10-2015

Cool. Do you think they are hard fast on the full 7 years, or do you think I could start asking for removal now? 5 months early?

First Ent Visa $21,800, Nasa PLOC $10K, Nasa CC $10K, Citi DoubleCash $12,200K, Penfed Promise $6K, Penfed Cash Rewards $5K, Total Rewards Visa $20K Lowes $35K QuickSilver CapOne WM $20K United Chase VS $2,800 Hyatt Chase VS $2,800 TJMaxx Mastercard $8K Barclays Rewards $3,700, Pier One $8,500 Walmart MC $8K Kohls $3K, Overstock $8,900, Discover $8K, Home Depot $20,700, JCP $10K, Victoria's Secret $5K, Ballard $10K, WilliamsSonoma Visa $11K, Grandin $4K, Banana Republic Visa $6K, Avianca Vida $25K, BoA $15K,BoA 3-2-1 $7,500

gdale6 · ‎02-10-2015

@nbean wrote:
Cool. Do you think they are hard fast on the full 7 years, or do you think I could start asking for removal now? 5 months early?

Individual lates cannot be removed early AFAIK, the early exclusion is for excluding the entire TL when its a CO.