A few clarifications.
First, OC accounts themselves do not become deleted, from your credit file based on any provision of the FCRA.
It is individual adverse items of information that were reported under the account that (normally) become excluded from future credit reports issued by a CRA.
In the case of an OC account with a reported CO, the CO becomes excluded from normal credit reports after a maximum of 7years plus 180 days from the DOFD on the account. Other reporting remains unless voluntarily deleted by the OC. To obtain deletion now of the entire account, you would need to send such a request to the creditor.
Additionally, the excluded information itself is not deleted from your credit file itself, and the exclusion from credit reports is not absolute.
Under certain conditions, all of the normal credit report exclusion periods are exempted, and a creditor can still obtained the normally excluded information.
A specific example is an inquiry by a creditor attesting that your are applying for credit in the amount of $150K or more. See FCRA 605(b).
While creditors rarely request such full file reports, they can do so, thus making all prior reporting available.
Deletion of an entire OC account can also occur if the account has been closed for approx. 10 years.
That is an administrative housekeeping measure that is arbitrarily taken by a CRA to clean out its database.
