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Confused on dates

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Anonymous
Not applicable

Confused on dates

I have a CC on my CR that I paid off but it has many lates reported on it.  The account was opened it 2004 and last reported on in 2009.  When does the 7 year reporting period start?

Message 1 of 2
1 REPLY 1
RobertEG
Legendary Contributor

Re: Confused on dates

Monthly delinquencies must be excluded from your CR after 7 years from the date of occurence of the delinquency.

When it was opened, closed, last reported upon, etc., is irrelevant.

If, for example, a 60-late occured in 2/2005, it could no longer be included in any credit report issued after 2/2012.

Message 2 of 2
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