I'm sorry this my be a silly question but how can I tell when something is due to fall off? So if you have the followin lates Jan 2004 - Mar 2004 (30, 60,90) Do all lates fall off in Jan 2011 or just the one of the lates?I have a number of older lates (varying by company from 2001 - 2004) and would like to send out some GW letters but don't know if its worth it for the really old ones.Thanks
I didnt think an account could show that it had been 120 days late 7 years past the date DOFD according to the FCRA unless it meet certain conditions and has been current for over 7 years. I didnt see anything about open vs closed accounts but I dont speak legal stuff.
I wonder about the TL that says the account had been 120 days past due. That would show up on MR but not in FICO scoring..