question about falloff

[rapprt]

When you say falloff does that mean from the Payment timeline of the CR (which seems to be the last 2 years of the account) or 7 years?

[Anonymous]

falloff is the date a collection will fall offf of your CR it is 7 to 7.5 years from the DOFD(date of first  delinquency which mean the date of your first missed payment )

[RobertEG]

What is commonly referred to as "falloff" from your credit report is the exclusion of the information based on its credit report exclusion date.

If an item of adverset information has exceded its credit report exclusion date, it must be excluded from ANY showing in your credit report, period.

That includes your payment history profile as well as any other indication of its occurence.

The various exclusion dates are different for different adverse types of information, and are listed in FCRA 605(a).