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Epic Contributor
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Registered: ‎03-19-2007
Re: Credit Seminar - Interesting Information and Question(s)

What he said apparently was a reminder that the cessation of derogs from your CR does not mean that other information on the account ceases to affect your credit scoring.

That is correct.  The aging of a delinquency or derog from inclusion in your CR, and thus in credit scoring, does not remove any other information on the account, such as its age, or payment history/derogs related to other reported items of information. 

Information they receive from your CR can theoretically extend back to day one on any account, except for specific items of information that have reached a certain CR exclusion date.