And the Transunion and Experian reports I bought were part of subscription services so I dont know for sure if they would have been any different than the one time reports you can buy.
Its hard to say for certain. The fall off dates are usually estimated at 7 years I believe, when legally they can be listed for 7.5. The only part that is really set in stone is the DOFD and you can be certain that a deragatory account has to be removed by 7.5 years from that.
