None of those dates. Collections, paid or unpaid, drop off at 7 1/2 years from the date of first delinquency on the original OC account, pursuant to FCRA 605(c). The dates reported on the CA account are meaningless.
How would I know the date of first delinquency? It should be earlier than the collection date right? Can I expect it would fall off sooner than the posted collection date + 7 1/2 years?