When will this fall off?

[bb2200]

Just wondering when this will fall off it has already fallen off my Transunion and Equifax reports, but it is still stuck on my Experian. Did it reset when I paid it off that is what I am worried about.

UNIVERSITY OF PHOENIX
Address:  4615 E ELWOOD ST PHOENIX, AZ 85040 No phone number available  Account Number:
Address Identification Number:
Status:  Paid,Closed. $0 written off.		Status Details:   This item was updated from our processing of your dispute in Jul 2013.
Date Opened: 12/2006 Reported Since: 04/2013 Date of Status: 04/2013 Last Reported: 04/2013	Type: Unsecured Terms: 1 Months Monthly Payment: $0 Responsibility: Individual		Credit Limit/Original Amount: NA High Balance: NA Recent Balance: NA Recent Payment: NA
Payment History: 2013 APR CO
Account History: Charge Off as of Apr 2013
Balance History - The following data will appear in the following format: account balance / date payment received / scheduled payment amount / actual amount paid Nov 2012: $3,968 / no data / no data / no data Oct 2012: $3,968 / no data / no data / no data Oct 2012: $3,968 / no data / no data / no data Aug 2012: $3,968 / no data / no data / no data May 2012: $3,968 / no data / no data / no data Mar 2012: $3,968 / no data / no data / no data Mar 2012: $3,968 / no data / no data / no data Nov 2011: $3,968 / no data / no data / no data Oct 2011: $3,968 / no data / no data / no data Jul 2011: $3,968 / no data / no data / no data

[DaveSignal]

Call experian using the number on your report and ask them for the date of first delinquency.  If this date is not correct, it won't fall off as soon as it should.

[Shogun]

Not enough info to figure the CRTP of this account.

[ramor]

It will fall off 7 years after the date it was opened, random date. All 3 credit bureau are different and just because you tell them it fell off one doesn't mean they will take it off. They will tell you they have to follow the guidelines. Hope this helps you.

[DaBears]

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@ramor wrote:

It will fall off 7 years after the date it was opened, random date. All 3 credit bureau are different and just because you tell them it fell off one doesn't mean they will take it off. They will tell you they have to follow the guidelines. Hope this helps you.

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Incorrect. It will fall off from the Date Of First Deliquency which is not shown on that report. The CRA would have that information.

[Shogun]

The CRTP clock is started by the DoFD of the account.  This is when the account went into arrears and was not brought back current.  The CRTP is a maximum of 7 years +180 days from the DoFD.  Most often though, the 180 days isn't included, but it can be.

When looking at your reports.  EQ will provide a DoFD, TU and EX will list a date that it is expected to be excluded from a simple pull of your CR.  You would have to count backwards 7 years to get the DoFD.

All the CRAs should have the same DoFD and can only report the maximum of 7 years +180 days from that.  Should one of them choose to delete prior to that, then that is of their own accord.

[bb2200]

Called Experian and they said January 2014. Thank you for your responses.

[ramor]

so I was correct....I was going by what the back of the report tells you. It says it will fall off 7 years after the date opened which it will show off the next month.

[RobertEG]

Credit report exclusion applies to individual adverse items reported under an account, not to the account itself.

The reported charge-off cannot continue to be shown under the account after 7 years plus 180 days from the DOFD that preceded the charge-off.

No other date is relevant to the exclusion of the charge-off.  You need to determine the reported DOFD in order to determine the exclusion date of the CO.

Deletion of an OC account itself occurs only if the creiditor voluntarily chooses to delete the entire account, or if the CRA exercises its subjective practice of account deletion after the account has been closed for approx ten years.

[guiness56]

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@ramor wrote:

so I was correct....I was going by what the back of the report tells you. It says it will fall off 7 years after the date opened which it will show off the next month.

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No, you are not, sorry.  It is from the DoFD.  EX website will even tell you it is from when you first became delinquent and the date opened has nothing to do with when it is removed.