How much will longer will this show up

[dblue]

Status as of Date opened [?] Date of last activity [?] Largest past balance [?] Account Type [?] Account holder [?] Scheduled Payment Amount [?] Industry

May, 2010

Mar, 2003

Jun, 2005

$783

Revolving

Individual

$10

Credit Unions

Descriptions [?]

• Paid charge off
• Line of credit

No contact information provided by Equifax

Balance [?] Current Status [?]

$0	Bad debt/collection

Seven year payment history [?] 30 days late 60 days late 90+ days late

1 time

1 time

42 times (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)

My question is why hasn't it gone away? Could someone help me out here TKS in advance.

[MarineVietVet]

Hi there,

The date we need to know is not listed. We need the DoFD (Date of First Delinquency). Collections and charge offs can report for up to 7.5 years from the DoFD on the OC (Original Creditor) account that led to the collection or CO.

Reports from third party sites (including myFICO) often don't have the most complete information. If you pull your free reports from annualcreditreport.com Experian and Transunion will have the drop off dates. The Equifax report will show the actual DoFD.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".