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NSF personal ck & Fall off date?

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ktl72455
Valued Contributor

NSF personal ck & Fall off date?

Helping a friend here, I am looking at her Experian report. NO fall off date listed.

Date open listed as 2/2006 for 19.00 paid to many yrs back.

Last reported 11/2006

Is that a 7.5 yr fall off? Or 7 yr? Just trying to update her records when it should fall off this yr.

 

Thanks!

From MI.
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
6/12/20 TU 803 ~ EQ 814~ Ex 784
My Wallet: Cap1 3,500K ~FH 2950~Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 18,000~NFCU Cash Rewards 18,500 ~Care Credit 12000~Discover 6000~Lowes 5450~ Amex 5400.00 ~ Harvest King 8000 ~ Langley~Penfed~Service CRU~red stone cru~
UTL 17%
Message 1 of 6
5 REPLIES 5
Barris
Established Member

Re: NSF personal ck & Fall off date?

As I understand it, the time frame should be 7 years from 180 days after the date of first delinquency (DOFD).
Message 2 of 6
fishbjc
Senior Contributor

Re: NSF personal ck & Fall off date?

Barris, isn't it 6 years + 180 days?  It has to come off before year 7 ?

Message 3 of 6
DaBears
Senior Contributor

Re: NSF personal ck & Fall off date?

If it show 180 days late its 7 yrs plus 6 months added on = 7.5 yrs.

Message 4 of 6
ktl72455
Valued Contributor

Re: NSF personal ck & Fall off date?

Status: paid, closed

Date opened 2/2006

Type: Collection

Amount: 19.00

Reported since:6/2006

Terms: 1mo

Date of Status:11/2006

Last reported: 11/2006

June   July     Aug      Sept        Oct          Nov

  C       ND      ND        ND         ND           CLS

 

Account History:

Collection as of June 2006

From MI.
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
6/12/20 TU 803 ~ EQ 814~ Ex 784
My Wallet: Cap1 3,500K ~FH 2950~Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 18,000~NFCU Cash Rewards 18,500 ~Care Credit 12000~Discover 6000~Lowes 5450~ Amex 5400.00 ~ Harvest King 8000 ~ Langley~Penfed~Service CRU~red stone cru~
UTL 17%
Message 5 of 6
Shogun
Moderator Emeritus

Re: NSF personal ck & Fall off date?

It's 7 years plus 180 days from the DOFD.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 6 of 6
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