@Anonymous wrote:
They are showing as discharged in comments, and zero balance...but the "last reported" date is this month? You have any idea why they would would discharged accts, a year later? Or it doesn't matter? I thought the timer for negative late accounts getting removed was from the last date of reported?
They can update it monthly if they want though there really isnt reason to once its been zeroed out and it cannot be challenged. Individual lates in positive open/closed accounts are removed at the 7 year mark until there none left then it becomes a total positive account, for accounts that have been COed the date that controls is the DoFD and this is the 30 day late that immediately preceeds the CO. In a BK if the account was current at the time of filing the filing month of the BK becomes the DoFD.
