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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?
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.