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Straight from the CRAs. Some of the formatting from 3rd party agencies makes it confusing.
2 of the 3 will actually list DoFD (and most of the time have an annotation "this acct is scheduled to remain on record until xx/xx").
The 3rd one (cant recall off hand which it is), lists DoLA (date of last activity) which is what they are going by for the CRTP (credit reporting time period...the 7.5 yr mark). When in doubt just call the CRA in question and ask them. Hey...its what their CSRs get paid for.
EQ has the DoFD. TU and EX have a this will fall off by date.
Thanks!