Fall off dates

[stucktruck204]

CAPITAL ONE Address: PO BOX 30281 SALT LAKE CITY, UT 84130 (800) 955-7070 Address Identification Number: Status: Closed. $954 w ritten off. Date Opened: 05/2006 Reported Since: 05/2006 Date of Status: 05/2008 Last Reported: 06/2010 Creditor's Statement: Purchased by another lender. Payment History: 2010 JUN MAY CO CLS SEP OCT CO CO JAN FEB OK OK Account History: Charge Off as of May 2010, Apr 2010, Mar 2010, Feb 2010, Jan 2010, Dec 2009, Nov 2009, Oct 2009, Sep 2009, Aug 2009, Jul 2009, Jun 2009, May 2009, Apr 2009, Mar 2009, Feb 2009, Jan 2009, Dec 2008, Nov 2008, Oct 2008, Sep 2008, Aug 2008, Jul 2008, Jun 2008, May 2008 150 days past due as of Mar 2008 120 days past due as of Feb 2008 90 days past due as of Jan 2008 60 days past due as of Dec 2007 30 days past due as of Nov 2007, Jun 2007 Account Number: 486236264952.... Type: Credit card Terms: NA Monthly Payment: $0 Responsibility: Individual Credit Limit/Original Amount: $500 High Balance: $1,276 Recent Balance: NA Recent Payment: NA APR MAR CO CO AUG JUL CO CO 2006 DEC NOV OK OK 2009 FEB JAN CO CO MAY JUN CO CO SEP OCT AUG OK OK NOV DEC CO CO MAR APR ND 150 JUL OK OK OCT AUG SEP CO CO 2007 FEB JAN 90 120 JUN MAY OK OK JUL CO CO NOV DEC 60 30 JUN MAY CO CO OCT SEP OK OK APR MAR CO CO AUG JUL OK OK 2008 FEB JAN CO CO JUN MAY APR 30 OK DEC NOV CO CO MAR OK OK

I am wondering when this will fall off my my report.  The corisponding CA shows July of 14.  

I have another account thats with the below:

LVNV FUNDING, LLC

Address:

PO BOX 10497

GREENVILLE, SC 29603

(866) 464-1183

Address Identification Number:

Status: Collection account. $1,395 past due as of Oct 2013. Status Details: This account is scheduled to continue on

record until Jul 2014.

[RobertEG]

The OC account itself will not "fall off."  Derogs reported on the account will become excluded once past their credit report exclusion dates.

The monthly delinquencies will each become excluded after 7 years from their dates of occurence.

The charge-off reported by the OC and the collection reported by the debt collector will both become excluded on the same date, which is no later than 7 years plus 180 days from the DOFD on the OC account.  Inerred from their estimated date of exclusion is that the DOFD was appox mid-2007

[stucktruck204]

So they should both just fall off in July?  If i am calculating this correctly?   This is the last bad thing on my account. 

[RobertEG]

Yes, the collection and charge-off both have the same exclusion date, based only on the DOFD on the OC account.

As to whether that makes the OC account "positive" is questionable.

If the debt remains unpaid, the OC account will continue to show a debt balance.  That certainly might beg some questions on a manual review......

[Sonic98]

I actually was wondering about an account dropping off my credit as well.

Here is the information on Account 1

Status: Paid,Closed.
Date Opened: 10/2007 Date of Status: 05/2008 Reported Since: 01/2008 Last Reported Date: 05/2008	Type: Government Terms: 1 Months  Monthly Payment: $0 Responsibility: Individual	Credit Limit: $161 High Balance: N/A  Recent Balance: N/A Recent Payment: N/A

Here is Account 2

Status: Transferred,closed.
Date Opened: 11/2006 Date of Status: 07/2008 Reported Since: 04/2007 Last Reported Date: 07/2008	Type: Credit card Terms: N/A  Monthly Payment: $0 Responsibility: Individual	Credit Limit: $1,000 High Balance: $1,143  Recent Balance: N/A Recent Payment: N/A

Account 2 is only showing up on Experian. I believe it used to show up on the others, but it has dropped or maybe one of them it never showed up. Account 1 is showing up on all 4(Maybe not Innovis. I'll have to check again). Equifax and Experian don't give me any kind of indication of how long this will remain on my reports, but Transunion is saying it will drop off 9/2104.  The account I'm actually wondering about is Account 2. I would think it would drop off before Account 1 sometime soon