Clarification

[swoosh76]

So I've seen 7 years till baddies fall off.  I've also seen 7 years and 180 days which amounts to approximately 7.5 years.  So which is it? 

[gdale6]

If you are looking at the DOFD of an account typically is 7.5 yrs from this date, if looking at the CO date then 7 years.

[swoosh76]

Ahhhhh...that makes sense.  Ok!  Thanks! 

[guiness56]

Per the FCRA it is 7 years plus 180 days from the DoFD that led to the CO or collections.

That is the maximum amount of time they can be included in your CR.  There is no different date for a CO or a collection.

Many COs are excluded at the 7 year mark for whatever reason but they have the full 7.5 years to be reported.  Just as the CA does.