Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
Re: Lenders see different scores than consumers do

If the account was a charge-off, then it's 7-7.5 years from the date of first delinquency of the debt. This is the date you first went late and never recovered. Your EQ report will show DOFD. If you purchased EX, it'll show a drop off date. The individual lates will drop by 7 years from that late.