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dciples wrote:

Not sure if this would be the right section, but here goes...

 

I have a Charge-off from Hyundai and want to know when I can have the Credit Bureaus remove this from my credit? Here is the info on my Equifax report (I don't know if it's different on the other two).

 

Account Number:	2004120155XXXX	Status:	CHARGE-OFF
Account Owner:	Co-maker	High Credit:
Type of Account :	Installment	Credit Limit:
Term Duration:	72 Months	Terms Frequency:	Monthly (due every month)
Date Opened:	11/24/2004	Balance:	$280
Date Reported:	09/24/2012	Amount Past Due:	$280
Date of Last Payment:	08/2007	Actual Payment Amount:
Scheduled Payment Amount:	$384	Date of Last Activity:	N/A
Date Major Delinquency First Reported:	08/2006	Months Reviewed:	20
Creditor Classification:		Activity Designator:	N/A
Charge Off Amount:	$861	Deferred Payment Start Date:
Balloon Payment Amount:		Balloon Payment Date:
Date Closed:		Type of Loan:	Auto
Date of First Delinquency:	02/2006
Comments:	Charged off account

81-Month Payment History

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2012

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2011

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2010

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2009

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2008

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2007

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2006

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30

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60

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2005

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7 years + 180 days from the date in red.  The DOFD.   So 08/2013 and you should be good to go.

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