Super Contributor
Posts: 5,712
Registered: ‎10-06-2007
Re: Capital One Card
[ Edited ]

User592954 wrote:

it's the first negative payment that triggers 7 years and if the bureaus don't show the drop they will as soon as you complain to them the delinquency is OVER 7 years, so the bureaus will clean it up as soon as you complain

No, delinquencies fall off 7 years after it occured not 7 years after the first one occured.  

03/21/2016 FICO: EQ: 772 EX:773 TU:779